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: Dina

Peace of mind worth every penny

I never had pet insurance in the past; always thought it might be a good idea just never got around to it. About three years ago I saw an offer via USAA for Embrace and I jumped on it. After two years without any serious illnesses or injuries I started questioning whether I really needed it. Then it happened. Now within the span of a year we have been through hemorrhagic gastroenteritis with a 3-day stay in the ICU to a torn ACL needing surgical repair. Embrace has been wonderful, covering everything and handling the claims clearly and expeditiously. I will never think twice again and highly recommend them without reservation.
5

out of 5

POSTED: | BY: J

Smooth, quick claim response and reimbursement

Embrace immediately informed me via email that they received my claims for illness claims while I was vacationing with my Golden. I also received notice of coverage quickly and my checks were waiting for me when I returned home. Thank you!
5

out of 5

POSTED: | BY: Roberta

Great and Fast

Embrace is quick to reimburse and approve the claims. When your dog get sick, you just want them to be healthy again, and with Embrace, I have the piece of doing it.
5

out of 5

POSTED: | BY: Bella

Wonderful People

I've had Embrace insurance on my pup Loki for a year, and this was my first wellness claim. I called and every single person I talked to (phone or email) was beyond professional and friendly. I'm so, so happy with the people in this company and they paid Loki's Vet Claim in less than 24 hours!
5

out of 5

POSTED: | BY: Elizabeth

Great for accidents

First time I bout pet insurance and it had been well worth it. Embrace has surprised me with how easy it has been to file claims and get refunded quickly. Never planned on my pet being sick or getting injured but after she tore her ACL Embrace was there to help me with getting her better. Appeals are also pretty easy to file. Highly recommend Embrace. Get it early for your puppy. Never know when an accident may happen.
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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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