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: Shannon M.

SO IMPRESSED!

In November 2016 I got a puppy.....and decided to check into dog insurance and boy oh boy was I lucky that I did.....fast forward 3 months and my puppy had to have surgery to the tune of over $5k! Thank God for Embrace Insurance. Not only did they cover the majority of the cost, they actually reimbursed me quickly. They communicated with me during the process and are TRUE to their word! I'm telling EVERYONE about the incredible coverage with Embrace! Do yourself a favor, sign up!!!! Don't wait until something bad happens, be prepared!
5

out of 5

POSTED: | BY: Jules

relief and gratitude

I honestly wouldn't be able to have a dog if it wasn't for Embrace, I just don't have the padding in my bank account to be able to bounce back from expensive medical surprises without incurring more credit card debt than I can handle. I am grateful that Embrace covers so much, and does so simply and efficiently. I also appreciate that it feels like a small enough company that if you write to someone they actually write you back themselves, and if you call to speak to a real human without having to wait on hold for a really long time.
5

out of 5

POSTED: | BY: Richard

what a change

I had worked with another company only to be given the "run around"; tried to get payments from them which were totally justified. No response, just took our monthly fees. Now they are in trouble with the State of Michigan Insurance system for this. The opposite experience with Embrace, recommended by USAA. Courteous, pleasant and pays on time. Great! 4 stars!
5

out of 5

POSTED: | BY: Dee

Amazing

I could not be happier with the fabulous insurance provided to my 4 pups through Embrace. They are genuinely the BEST. The customer service, prompt claim turn around on top of tremendous insurance coverage is just amazing! I highly and often do recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Vicki Conway

Great experience with Embrace

My dog ruptured a ligament in his knee and had to have surgery to correct the conditions. The surgery was done quickly so I didn't have time to consult with Embrace prior to it. My vet submitted the claims and Embrace quickly reviewed and sent me reimbursement checks before the payment was due on my credit card. The offer a great website to check claim status and their customer service was outstanding and prompt.
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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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