Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Diane

Wonderful

Embrace is the best! I have an older cat who has been very sick and they have been by my side taking care of everything. They do just what they say they will do. No hidden agendas. And they pay quickly. I can't say enough good things about them. I am surely glad I had them through this difficult time. I would rate them an 11 if I could.
5

out of 5

POSTED: | BY: Claudia

Thank you Embrace

Easy claim submission and reimbursement. Thank you .
5

out of 5

POSTED: | BY: Nathan

Great experience so far

Dealing with Embrace doesn't even feel like dealing with an insurance company. Amazing customer service (they just emailed me to make sure I received a check they sent less than a week ago), fair premiums, and comprehensive coverage. I'd recommend them to anybody with a pet.
5

out of 5

POSTED: | BY: Eileen

Embrace is Fair and Dependable!

Embrace continues to pay promptly and I am grateful. My Doxie Meggy (Who is my Heart) has had a few episodes of Vestibular Disease as well as gastrointestinal problems. Happy to say she is getting great care and I am grateful for the help from Embrace Pet Insurance. I felt confident about them when I signed up as they were recommended by USAA Insurance. I have recommended them to my friends also.
5

out of 5

POSTED: | BY: Justine

By far the best pet insurance!

Sadly, my dog has had her fair share of Embrace claims but of all claims I've submitted, I've had zero issues with Embrace paying out. My dog has been diagnosed with lymphangiectasia caused by IBD and most recently Lymphoma in a matter of 2 years with Embrace. Embrace has paid out 80% (per my policy) every time with no excuses and very minimal additional information from our vets. This includes ultrasounds, xrays, tons of bloodwork, chemo, and all her medications. Only thing is they don't cover the more holistic supplements with their insurance plans but I've used their wellness plan for that and it covers 100% until those funds are depleted. Their wellness plan also allows you to get reimbursed if you buy supplements online too! I get my reimbursements back in less than a week most of the time, or up to a week at the most and vets are amazed with how little they are hassled for special letters, additional documents, etc that they have needed to provide other companies that request them but still don't pay out for the services. Our oncologist is now recommending Embrace to all their clients because how fast they saw I was getting money back. I'm in there weekly and I have the funds in my bank account by the time I'm in there the next week.
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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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