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: robin denicola

Perfect Company

This pet insurance is the best I have ever had. I adopted a barely 1 year old cat with numerous intestinal issues and it has taken emergencies and tests to get a diagnosis and finally a treatment. Embrace has been amazing nthe whole time. Claims processed in days and deposited directly into our account. Despite the issues, my premium has not gone up much at all. Really impressed! I tell everyone about them!
5

out of 5

POSTED: | BY: Brad

Caring & empathetic

They go the extra mile .... at a social distance, though a true team and group cohesion:-) Thankful part of USAA
5

out of 5

POSTED: | BY: Michael Lompart

Pleasant surprise in time of stress.

I did a lot of investigating before deciding on Embrace, I liked the way I could make the policy fit what I felt were my needs while hoping I would never need to use it. After several years of insurance the need did arise when my Rottweiler developed a disc protrusion on his spine requiring VERY expensive surgery. While my main concern was for my dog it was a major relief when Embrace stepped up to the plate with no hassle covering his treatment. The claim process was very simple and very fair, I was pleasantly surprised. You never really know how good any insurance policy is until you need it and Embrace proved to be very good.
5

out of 5

POSTED: | BY: Edward walsh

Great company

Great experience all the time.
4

out of 5

POSTED: | BY: Stacy Letton

Good Care

I've been with Embrace for approximately 10 years now through the really bad and the good (with multiple animals). While I like to argue the changing costs as my animal gets older, the service is impeccable! Claims are processed quickly. Coverage is easily explained and pretty good. I have recommended to friends, who have also signed up. Thanks!!

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 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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