Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Karl Haley

Fantastic personalized service

Embrace has excellent personal service with rapid claims processing. I have two puppies registered with Embrace and appreciate their regular updates and newsletters. I was referred to the company by USAA and receive a 15% member discount.
5

out of 5

POSTED: | BY: Pat Gartland

Great Insurance

I've had Embrace Insurance for many years. My 2 dogs are now old, and I have used it several times over the years. They have been very reliable every time. I am very thankful that I have Embrace.
5

out of 5

POSTED: | BY: Brady

5 star service

I adopted my dog Mickey as a rescue and shortly after getting insurance he started to have cronic vomiting issues. With around 10 vet visits to date since April 2015 embrace has covered most if not all with no hesitation. He has been undergoing tests which have reviled liver issues. Due to this He has also had a ultrasound and ct scan both of which were covered. It's very unfortunate that he's not even 2 years old and he has had these issues. But after spending 4k on my last dog during his last year of life, I will never regret getting this insurance.
5

out of 5

POSTED: | BY: Kathleen Sanchez

Prompt Payment of Claims

I was very pleased because all claims have been paid promptly. This will be my 2nd year of coverage. Only negative so far is that the premiums went up for both Wellness and Illness after the first year Hopefully this isn't an indication of increases in future years.
5

out of 5

POSTED: | BY: Char

Thank you Embrace!!!

I have had Embrace Insurance for about a year and half now and I have nothing but positive things to say. I have insured my two dogs and have had to use the insurance several times. The process is always so easy and the claims come back very quickly. I have had positive experiences with every employee I have spoken with, and could not be more pleased with their responses. This company is unlike any other I have ever worked with. They truly care about their costumers and understand that your pets are a member of your family. I will stay with Embrace for many years to come!
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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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