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: Anthony

Peace of mind!

We knew that when the time came to say goodbye to our Empress it was going to be beyond difficult. Pet Owners get that. What made this slightly more manageable, but still tough, was knowing we did not have to make a decision based on Finances, but on what was right. Embrace gave us that peace of mind and for that we are all grateful.
5

out of 5

POSTED: | BY: Bob Bartus

Embrace top insurance, 5 star & more

Super great company, outstanding staff, 5/5 stars
5

out of 5

POSTED: | BY: Joanne Zwiers

Excellent Customer Service and Experience

Although I've had my older dog for 8 years now, it was only about 2 years ago that I considered pet insurance, and that was due to USAA recommending this company. Well, anything that USAA recommends is something I trust, so I got policies for both of my dogs. This past year I've had to file several claims; nothing to bad, but I was able to meet my deduction and then get several reimbursements. Embrace made this so easy for me. Although one of my claims was initially declined (due to my lack of providing adequate information), I called them and cleared it up, and within one day they approved the claim and issued payment. I'm so impressed with them. As my older dog continues to age, this is a great comfort to me knowing that I can get my baby treated properly, and not have to worry about skimping on his medical care due to the cost. Highly recommend this company.
5

out of 5

POSTED: | BY: Aron

Great so Far

I have seen some negative reviews but I think these are from individuals that haven't read their policy thoroughly. We have 10 dogs and one cat and Embrace provides affordable insurance that meets our needs. They have paid every claim according to our policy. We have been with them one year and plan on continuing.
5

out of 5

POSTED: | BY: Melissa

Simply the best!

Embrace Insurance representatives are truly professional and provide excellent customer service. They assist with any issue or question over the phone or offer support online. The rates are reasonable and claims are processed in a timely manner. Wish my insurance was this easy . Thank you 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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