Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Diane Cerf

Embrace Insurance

Embrace is great. It has always felt like there is really a person who understands you are the other side of any claim. They always re-imburse in a very timely manner....
5

out of 5

POSTED: | BY: Happy Customer

Great company!

Great coverages for your pets. Don't go anywhere else for pet coverage. Excellent customer service and they pay claims fast and easy.
5

out of 5

POSTED: | BY: Erica Lederman

I love Embrace!

My dog Taz has been "embraced" for about two years now and they've covered heartworm treatment, mass removals, and arthritis treatment. I've never had any problems filing claims or getting reimbursed and their customer service is top notch.
5

out of 5

POSTED: | BY: Emma

As Good as it Gets!

After a visit to the vet, which seemed to become more frequent for our older dog, the vet highly recommended that we get pet insurance. My fiance and I had been talking about it, but after one very expensive visit we decided it was something that we should do. The vet recommended one company, so I looked into it, but was turned off by the price tag. I decided to do more research and compare companies, and with our USAA discount, Embrace seemed to be the best option. Since signing up for Embrace, I have no complaints. Shortly after getting coverage, my older dog came down with a terrible UTI and needed to go to an emergency vet. That basically took care of the deductible, and when the UTI kept coming back Embrace promptly covered everything according to our plan. I am so happy we signed up for insurance, because we would be severely in debt at this point. The customer service at Embrace is fantastic and they always respond promptly to my concerns. My claims are processed very quickly and I have no complaints!
5

out of 5

POSTED: | BY: Don

Excellent service

I wish health insurers for people were so easy to deal with and so responsive.
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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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