Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Dan Allard

Excellent Customer service

I have been a Embrace client since their inception and I have nothing but praise for their customer service , their rates and even their claim processing which has become a lot faster !!!I researched many companies before choosing Embrace for all my animals ! I have appreciated their compassion, always keeping your animals welfare first and foremost at all times !!! It is money well invested for my cat's welfare and I would absolutely recommend them to all animal lovers that want to obtain insurance for their pet !!!
5

out of 5

POSTED: | BY: chelssa baiz

awesome! quick turnaround in claim processing

easy process and quick claim approval
5

out of 5

POSTED: | BY: Carl Hellis

Sawyer (Labradoodle) Hellis

Your service to Sawyer was excellent. Sawyer had two significant health issues and unfortunately failed to survive the second one. Embrace did wonderful service to us during his short illness, and we thank you for that. Your service and rates are better than our previous insurer.
3

out of 5

POSTED: | BY: gabriela

Lost Claim

The 12th of January is when the claim was sent when we called go verify the claim. They stated they never received it and after going through emails and going back and forth. My wife was deployed and it took her coming back making phone calls and then getting our claim through. I called to confirm the receipt of the claim and was told it would be handled only to call again after a month. With my wife to go through it after her deployment.
5

out of 5

POSTED: | BY: Dina Bunn

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.
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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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