Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Margaret Alexander

I have used Embrace for many years...

As I said in the title, I have used Embrace for many years and submitted many claims. Only once did I have any delay in receiving information and payment. Submitting the claims is easy. If Embrace has any questions they respond to you quickly. I have often received my payment for my claim in LESS than a week. I think that's pretty good.
5

out of 5

POSTED: | BY: Jon

Customer Friendly (as well as pet friendly)

Out of all the different insurance policies that I have, Embrace is by far the most efficient and customer friendly.
5

out of 5

POSTED: | BY: Vivian Slezak

Claim with ease and clear your mind.

I have been with Embrace Insurance with 2 dogs. I am very happy to be a customer. No one wants to have their animals get sick, especially when yo think about the cost. But having the insurance, you pay your bill , file your claim and within a couple of days you will hear from the staff at Embrace, telling you that your claim has been paid. My little Yorkie has had a couple big bills and I’ve been reimbursed for most of what I spent. I highly recommend Embrace Insurance for your fur baby.
5

out of 5

POSTED: | BY: Greg Fahey

Excellent administrative assistance

Embrace team was very quick to help with getting a pre-certification that needed quick attention before a fast approaching and expensive surgery. Also good to know that our claim will be reimbursed by 80% (about $5,000)!
5

out of 5

POSTED: | BY: Jean Burleson

Very happy with the claims process.

Embrace Pet Insurance, which was recommended by my veterinarian, is an excellent company. They process claims quickly and are very fair in their coverage/reimbursement decisions. As an added plus, as a USAA member, I received a discount on my premiums. Could not be happier with Embrace.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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