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.
5

out of 5

POSTED: | BY: Patricia McRae

Possible NSAID overdose

We thought Daphne may have gotten hold of some very out of date Rimadyl. The vet said she was fine, and the claim for her care was honored. The changes to the website and how claims being handled appeared on our end was a little confusing but we are confident it will all work out just fine once the system is completely up and running. That is the reason why it's not a 10.
5

out of 5

POSTED: | BY: Elner Aguilar

Superb

At first,I was hesitant about getting pet insurance. Then USAA recommended Embrace. I opened a policy with them for our first dog. I filed a claim and was ready to wait 2 weeks, but it didn't take embrace that ling. I still have a policy with them and would not give it up for anything pet related. I rate Embrace a 10 because 100000 is not available. They go out of their way to ensure their costumers are satisfied. They are more about quality rather than quantity. Embrace your are truly the best at what you do.
5

out of 5

POSTED: | BY: Gary Marlar

Customer Service

Time taken to review our claim and payment of the claim exceeded our expectation. Friendliness of staff and follow up on our claim was outstanding. No complaints whatsoever.
5

out of 5

POSTED: | BY: Pat Wood

So Glad I had Embrace Insurance

I've had pets all my life but never had insurance on them before. Embrace has been wonderful. The vet turns in the claim for me and within a day I get a email from embrace saying they received it. Then usually within 10 or so days I receive a check in the mail. And then embrace sends a follow up email to make sure you received your check and if you have any questions on the refund. Fantastic service! Thanks Embrace. Emma is almost back to being herself again.
5

out of 5

POSTED: | BY: Bill Sawyer

Joy of pet insurance

When our Shepherd Chief had his first attack of epilepsy we were devastated. At the time we did not realize the benefits our Embrace policy held. Having insurance helped us and him to lead a somewhat normal life with medication.
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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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