Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Karen

Thank Goodness for Pet Insurance

I really wish human health insurance claims were as easy and quick as Embrace Pet Insurance! You always get to speak to a real person who answers the phone! We have an expensive accident prone dog who ate a soft/stuffed snowman toy and then broke a toe - Neither were cheap vet visits. Thank You Embrace for your fast turnaround on payment. I totally recommend you to friends.
5

out of 5

POSTED: | BY: Adele

Great Comminication!

After having used another pet insurance company with our last dog, we decided to try Embrace with our new puppy. We liked what the plan offered and chose to go with their highest coverage plan. So far, it has been great. Vet visits have been easily submitted and they are very good about letting you know the process along the way. While you might think the monthly premiums are a little higher than competitors, please read the fine print. With a new puppy, you want to make sure it's taken care of for a very long time. Highly recommend!
5

out of 5

POSTED: | BY: Mary

This insurance...the smartest decision ever!

I cannot say enough positive things about Embrace Insurance. Easy to sign up, easy to submit a claim and speedy reimbursement. What more could you possibly want in pet insurance.
5

out of 5

POSTED: | BY: Claudia

One word- outstanding

This is my first experience with pet insurance. I got it for our Gt. Pyrenees puppy never expecting to use it 2 months later. On a holiday weekend he developed a squishy lump on his shoulder the size of a large fist. By the time we got to the emergency clinic 60 miles away it had more than doubled in size. They drained it but it filled up again and 2 days later his regular vet drained it again. He no longer looks like he's auditioning for a canine role as the Hunchback of Notre Dame.After looking at pet insurance plans I chose Embrace. They . I believe, are affiliated with USAA and our son has been very pleased with USAA.
5

out of 5

POSTED: | BY: Michelle

Money well spent

Being a former veterinary technician, I have enough information that I am dangerous and once I get in my head over a symptom, I run with it. Embrace takes the worry of covering the vet bills out of the equation and allows me and my vets to practice the kind of medicine I want for my dogs. We don't bandaid a symptom in our house, we get to the root and fix the problem.
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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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