Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Linda

Efficient

I’ve had nothing but a positive experience with Embrace. From calling for information to the efficiency of the claim process, it has been a positive experience. I’m glad I chose Embrace.
5

out of 5

POSTED: | BY: Vicki

Very pleased with the service I receive from Embrace

I've had many pets over the years, but never had insurance. As they aged, their wellness and medical bills kept getting higher and more frequent. When I got my current dog I knew I decided that insuring her was a must. Finding the right company was a challenge, but I am so happy that I found Embrace. Their response to claims is quick and painless for me. Thanks Embrace!
5

out of 5

POSTED: | BY: robert

Processing of claim fast and efficient

Insurance information on coverage was clear and the problem my dog encountered was covered completely.
5

out of 5

POSTED: | BY: James

Embrace not only worked with me, but also worked with the Pet Clinic too.

Embrace not only worked with me, but also worked with the Pet Clinic who's accounting department was uncooperative with me. I am impressed with Embrace who was able to resolve the Pet Clinic accounting department problems and find a work-around for future appointments if needed. As a Totally and Permanently Disabled Service Connected Navy Veteran who with the VA's help is a "VA Companion Dog". Our Embrace Insurance is Associated with "USAA" for insurance , and billed accordingly. Oh and Good News His Infected Eyes are by all appearances are CURED!
5

out of 5

POSTED: | BY: Nadine

Embrace did what they said they would do

Submitting our claim form was easy. I followed my claim on the Embrace claim site. This was my first submittal so I was not sure what to expect. Since it was our first claim, Dusty's whole health history had to be reviewed. Even so, payment of our claim was made efficiently within 30 days. We are pleased that the whole process was efficient and not complicated.
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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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