Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Leslie

Buy this insurance coverage!

This is my second year to purchase Embrace Pet Insurance. It is underwritten by USAA, that should tell you all you need to know as far as dependability, reliability, and trust. My cat, Harry, is a klutz. Not only is he a klutz he developed allergies and licked all of the fur off his underbelly. He scratched and licked incessantly. He was miserable which made me miserable. The wonderful thing about having pet insurance is you don't hesitate to get the proper care for your pet. It's peace of mind! When Harry looks like he's not feeling well or I suspect he's gotten into something I have no hesitation taking him to the doctor knowing full well that Embrace Pet Insurance will reimburse my claim. And the process couldn't be easier . Simply take a photograph of the bill, upload it to their claim website and you'll receive an email from them confirming they received it and are reviewing it, then you will get another email saying it's covered. They have never not covered a bill or claim in the two years I have been with them. You can select the percentage of coverage that fits best into your budget and you can also select to have Wellness care which covers yearly vaccinations, teeth cleanings, and office visits. Like I said, it is peace of mind knowing you can care for the animal that depends on you for its care.
5

out of 5

POSTED: | BY: Neil

Excellent Service

Unfortunately our 20 month old got meningitis requiring ICU and hospitalization for a week. Use your imagination about the invoice, fortunately we had Embrace and had a check in less than two weeks that covered half the bill. It covered half because that was the policy I had selected, no questioned asked, simply paid their full share. I am grateful to have them. Thank you Chanel!!!
5

out of 5

POSTED: | BY: basia

Best insurance decision I ever made

I purchased embrace insurance for both of my pets just in case of a major medical need hoping that I will never have to use it. My cat broke his paw that cost a few thousands of dollars in surgical/medical bills. Embrace payed 90% of my bills and they did it really, really fast. I am so grateful and happy that I chose embrace.
5

out of 5

POSTED: | BY: Dienah

Claims experience overall has been great!

Claims experience overall has been great! They processed my claim quickly and efficiently and when I e-mailed for add'l support, they were quick to respond!
5

out of 5

POSTED: | BY: Charlotte

A Total and Caring Insurance for our fur babies

Embrace Per Isurance does as the name implies they embrace you and your pets for the coverage needed. To apply for the coverage is easy to understand and a prompt response is received. Reimbursement is efficient and answers needed by Embrace are thoughtfully asked. Providers are supportive to help with submitting the claim forms! Thank you Embrace

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.

Get a quote today

Leave a review