Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Christine Steele

Great Service

I never want to be in the position of having to make the final decision for my pet without having adequate diagnosis and care, regardless of the cost. This makes the annual cost of insurance a non-issue for me. I have used the coverage, and each time the claim was processed quickly. I just don't have to worry when I pass over my credit card to ensure the health of my pet.
5

out of 5

POSTED: | BY: Jen Jones

Quick Response!

New puppy picked up and took off playing "keep away" from her dog siblings a huge rock and then boom it was gone, terrified me! Rushed her to the ER Vet and sure enough it was in her tummy. Too large to pass on its own and too large to risk having her throw it up; we had to opt for surgery with a scope. It was a long and difficult procedure but they got it out! This is the first dog I've ever insured; I'll never get another pup without insuring them now and have added my other saint to Embrace! I've heard from other giant dog owners that Embrace is the best for possible hereditary issues with these big guys and gals (plus the USAA discount is great). We are super impressed and have been telling everyone we know to go with Embrace for their dogs!
5

out of 5

POSTED: | BY: Alyce Stewart

Love Embrace

We have tried several other companies before coming to Embrace. We find their monthly payments to be very reasonable and our reimbursements for our costs have been quick and fair. They always explain what they paid and what wasn't paid and why. Their customer service is amazing and yes, I have used it more than once. They are quick to assist and help solve any issues that you may have. Everyone I have emailed or spoken to has been pleasant and caring and a pleasure to work with. We highly recommend Embrace and are so glad we switched to them several years ago.
3

out of 5

POSTED: | BY: Chris Connell

Frustrated I already know this claim is Excluded

Unable to view my claim status.
5

out of 5

POSTED: | BY: Miri

The only insurance worth paying for

This is my third or fourth review I have written for Embrace. I love them that much. I can't even tell you how grateful I am that I do not have to worry about costs when I take my cat to the vet. The math is simple--I pay copay plus 80% of the total cost (at least with my plan). I have definitely spent more than I have ever paid them. The tiny amount of $23/month is so worth it. Get Embrace for your pet now!!
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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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