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: Jeff

Always Great Service

Our 2 year old Pharaoh hound has been on Embrace since he cam home with us. Luckily, nothing Major but we had to file claims for a swallowed foreign object, a UTI and some allergies that get bad from time to time. I've filed claims myself and also had the vet file directly. It's easy and quick either way. I'm looking to add another Dog to the family and I definitely will add them to the policy for the piece of mind of knowing a significant bill is budget-able. Thanks! Great service and recommended to me by USAA.
5

out of 5

POSTED: | BY: Susan

Life saver (literally)

I have covered all 4 of my giant breed dogs for years and Embrace has never let me down. If I disagreed with a coverage (seldom happens), they listened to me and my vets and resolved it to my satisfaction. The prescription coverage with my old guy has helped him live a good life despite his age. The costs would have been crushing. I have reviewed other policies which were cheaper (I am a paralegal) and the coverage was not nearly as good - especially as dogs age. If you love your pet, Embrace is THE plan to go with.
5

out of 5

POSTED: | BY: Theresa

Embrace takes excellent care of our family!!

Embrace makes the insurance process very simple & easy to understand when going through issues with our furry family members. I would & have recommended this company to others. When we first got pet insurance, would have been the happiest pet parents if we never had to use it, however they help make big health decisions easier. THANK YOU SO MUCH!!!
5

out of 5

POSTED: | BY: Debbe

Worth The Money

I got $110 out of $179 I think that is worth it.
1

out of 5

POSTED: | BY: Jordana

CHOOSE ANOTHER INSURANCE

EMBRACE IS THE WORST!!! PLEASE DISREGARD MY PREVIOUS REVIEW. THEY WILL FIND ANY EXCUSE TO NOT PAY!!! I WILL GO OUT OF MY WAY TO MAKE SURE ANY PET OWNERS I KNOW CHOOSE SOMEONE ELSE. I HAVE BEEN CHEATED!!!
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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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