Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Tamara Bernardin

Filing a claim is quick and easy

The process is very easy and straightforward. It does not require anything other that the date of service and provides a list of reasons for the visit. The process is easily managed. Directions are clear and simple.
5

out of 5

POSTED: | BY: Lindsey Thomas

Getting this Insurance was the best Decision!

Getting this Insurance was the best decision! It puts my mind at ease wondering "does he actually need to see a vet for this or should I wait a few days?" because you know you have a set out-of-pocket max with Embrace! I ended up also signing up for the wellness plan along with the accidental/injury plan because this seems cheaper than the plans they had at my vet for things like nail trims and vaccines. Very happy with this insurance for my Australian Cattle Dog!
5

out of 5

POSTED: | BY: Gary

Embrace Customer Service is Exceptional…

Embrace Customer Service is Exceptional and Lani who assisted me was Fabulous. I had a question on my policy and Lani Listened, Which is unusual in today’s marketplace. After I was finished She responded and outlined my policy and how I should proceed to make sure my Family Member is comfortable and covered.
5

out of 5

POSTED: | BY: Terry Graney

3 Large Dogs "Embraced"

My family has 3 large dogs - 2 Great Pyrenees and 1 older Labrador Retriever. It has been our pleasure to have worked with Embrace for several years now. I initially found them as a result of the company's affiliation with USAA as we have been USAA members for 45+ years. It's hard to compete with an excellent company like USAA, but Embrace has done it every time. Making claims is very easy and, believe me, we submit many claims for 3 dogs, both for wellness and for illness. Embrace is always prompt and explains the benefits and reimbursement thoroughly. Just recently we received a claim reimbursement that I submitted in the morning - it was completed that same afternoon! We appreciate that we are truly "Embraced" when using this company. Thank you!

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 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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