Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Katherine Porter

Embrace Saved The Day!

My English Mastiff was diagnosed with a partial ACL tear. Embrace has been there every step of the way. Starting with the orthopedic specialist, physical therapy, casting and bracing, and medication, Embrace has supported me both financially and emotionally. Knowing I can get the best medical care for my girl, through out this painful process, has been a blessing. Thank you Embrace!
5

out of 5

POSTED: | BY: Kathi Greyhosky

Grateful

So glad I had foresight to get a policy with Embrace for my Yorkie years ago. She has had to be hospitalized twice now and the costs were in the thousands. filing a claim is simple and payment quick. I take every opportunity to be an embassafor because I believe instance for your pet is every bit as important as insuring your vehicle and other valuable property, as well as yourself.
4

out of 5

POSTED: | BY: Kim Kruzner

Wonderful staff

I've had some complicated situations and every time I call to ask questions I am so happy with the service i get. If the person doesn't have the answers they always get back to me.I researched as many pup insurance companies as I could find and Embrace weighed out the best for my needs. I haven't regretted my decision at all.
5

out of 5

POSTED: | BY: Family RT

Perfect support!

We had our first experience sending a claim to EMBRACE and need to say that it was managed in a very professional way. Very happy with the timeline for the whole process :-) Thank you.
5

out of 5

POSTED: | BY: Frank Eaton

As Promised

Our prior insurance company, 24PetWatch (recommended by our local humane society) lost its underwriter in Florida and failed to provide me with notice. I then conducted diligence, ultimately choosing Embrace primarily because of its affiliation with USAA. In contrast to our prior company, Embrace is without peer. Shortly after obtaining coverage, our dog has an issue. We submitted two separate claims that were reviewed in quick order and approved within policy restrictions. I am impressed by Embrace's communication with the client - emails explaining coverage, prerequisites, a summary of review of pre-existing conditions. Very satisfied.
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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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