Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Brianna Mercado

A few bumps in the road

Initially I was very excited to have my dog covered by Embrace. I am a USAA member and got a good discount based on that referral. I was also worried that my rescued pitbull mix would not get a fair shake and be denied coverage. Thankfully the people at Embrace were more open minded than that and had no issues covering her. The issues started when the first claims came in and started to back up. No one was going through her previous vet records and kept telling me that I needed to submit more information even though all available info was made available multiple times. Months went by without payment and claims piling up until one day and several phone calls I finally spoke to one wildly intelligent and patient young man who took the time to piece together what I was so frustrated about, and managed to process all of my claims in 24 hours. I don't believe I told him I was really calling to cancel my policy that day but he managed to stop me. I wish I could remember his name. I'm sure it's written down somewhere. It just takes one person to listen. After that ordeal, I haven't had a single problem and Embrace has been a delight. Even for medical claims I wasn't sure they would cover. My dog is my family and she has medical costs like any other child or human. Embrace makes it possible to afford these things and enjoy other things.
5

out of 5

POSTED: | BY: Renee

Everyone should have Embrace if they own a pet!

I couldn't of taken care of my pets the way they needed if I did not have Embrace, just knowing I have it when I don't need it is comforting!!! They have 92) Dobies have better insurance than I do! I will never go without it again.
5

out of 5

POSTED: | BY: James

Very nice customer service

I enjoy dealing with embrace. It gives me peace of mind if I have any issues with her highness
5

out of 5

POSTED: | BY: Kirsten B

SO worth it!

My 2 & 1/2 year old dog had a complete tear of her ACL (knee) and needed an extensive surgery to repair the joint. Filing the claim was super easy in the online portal, and I received the reimbursement via direct deposit within 3 weeks of filing. There is NO way I would've been able to get this done without knowing Embrace would cover the majority of the cost.
5

out of 5

POSTED: | BY: Peggy Grogan

Very pleasant and helpful on phone.

Very quick with response and had to make a call for question. Rep was extremely helpful and pleasant.
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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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