Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
4

out of 5

POSTED: | BY: James Szalay

Cutaneous cyst & dental cleaning

My cat Butters had a small cyst on his right side which my vet had been monitoring, and recommended removal of the cyst while he did a routine dental cleaning with Butters under anesthesia. The total cost for both procedures was somewhat costly. While Embrace did not cover the costs of the cyst removal, as it was determined to be a pre-existing condition, I am pleased that they did in fact cover approximately 1/4 of the overall cost for services rendered that day, pertaining to the dental cleaning.
5

out of 5

POSTED: | BY: Marcia Miller

Pre-existing condition re-evaluated

A statement from the veterinarian was misunderstood and when it was brought to their attention, an explanation from the veterinarian was requested, it was reviewed and an appropriate adjustment was made. It was all handled professionally and resolved. Very pleased with how it was handled.
4

out of 5

POSTED: | BY: henry st

There a good company!

Their review is quick and they stay to the letter of the contract
5

out of 5

POSTED: | BY: Heidi Rolfsness

I'm super pleased with Embrace pet insurance!

Embrace has been a pleasure to deal with. The call center is always super friendly and easy to talk to. The claims have all been handled with a week.
5

out of 5

POSTED: | BY: LBBM

Always Great Service and Response Time!

We initially signed up with Embrace through USAA; noting that the premiums were beyond reasonable. Our prior insurance company had raised their premiums to a ridiculous cost and began excluding basic services. We've been with Embrace for several years. We have several dogs; a few of them are rescues that became part of our family because no one else wanted them. Two of our babies became very ill after a few months and needed emergency Doctor Care. Embrace was there to help us get through those dark times and the cost. I would highly recommen=d using them for your four legged babies.
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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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