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: Steve Fisher

Appreciate this coverage

We do K9 search and rescue. We're volunteers and bear all expenses for ourselves and our precious partners. Having this coverage has benefited us and allows us to use resources to defray other expenses. By covering the bills for Izzy's infection, Embrace is helping us help others. Thanks Embrace.
5

out of 5

POSTED: | BY: Lora Olson

YOU HAVE A CUSTOMER FOR LIFE!!!

My older dog is on her second knee surgery in 5 months. :O( Tough break for her, it just sucks and breaks my heart. But Embrace has been FREAKING AMAZING through all of this!!! She had her first surgery weeks after passing her Ortho Exam. Embrace didn't try to get out of paying for the claim, even though it was so close to the ortho waiver being done. What I got from Embrace was....COMPASSION! Wouldn't it be nice if our HUMAN insurance was this good???!!! And now we are on our second knee surgery this year. BOTH times I have been reimbursed before her follow up doctor visit. WHAT INSURANCE COMPANY DOES THAT IN THIS DAY AND AGE??? EMBRACE...that's who! I started with Embrace cause I have USAA insurance...this was one of the best decisions I have ever made for my two Drahthaar's!! THANK YOU EMBRACE...YOU HAVE A CUSTOMER FOR LIFE!!!!! My old girl is now retired from hunting. So, I'll be adding a third member to our dog pack/hunting family next year...you're getting that business to! YOU GUYS ROCK!! Thank you for making this process easier than you had to! I tell EVERY person I know about Embrace, every chance I get!!!
5

out of 5

POSTED: | BY: Judy Paolini

Excellent Pet Insurance!

We've had Embrace insurance for about 5 years and they never fail to amaze us with their efficiency and great customer service. We have 3 cats so have made several claims which are all paid promptly. We can't imaging owning pets without Embrace!
5

out of 5

POSTED: | BY: Nolini

They got my back - continually!

Have written about them before. They continue to support me and my baby dogfies! Love em!
5

out of 5

POSTED: | BY: Peggy Withrow

Embrace has been as good as my Golden

Gracie my Golden retriever has had a few different issues over the last several months that have been treated. Every visit I was sure to have my vet fax the info into Embrace for filing. I always received an immediate response from Embrace and with the wonderful portal they provide I was able to see the process. Once my deductible was reached my claims have been paid very promptly. I have been a customer for 5 years and have had good experience with Embrace.
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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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