Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Paula Ballard

Thank goodness for a company with integrity

We have had Embrace for many years with the most professional, kind and efficient service. Now that our dog is having problems, had surgeries and needed extra services, Embrace has been right there. I can not say enough about this company. We certainly have recommended it to our family, friends and even strangers. It is a first rate company. I only wish my health insurance worked as well.
5

out of 5

POSTED: | BY: Jodie

Responsive

Far better pet insurance. Was with Pet First and they were horrible raising rates by 3x with no notice and terrible with claims. I'm telling everyone I know to switch to Embrace. So far they have been very responsive and quickly pay claims. I will stay with Embrace forever.
5

out of 5

POSTED: | BY: Michelle Burke

So far, so good

I'm a registered veterinary technician who is no longer in practice. When I left practice, I knew it was important to insure my dog as I no longer had access to discounted vet care. I chose Embrace due to the USAA discount and the wellness plan option. I like the idea of having a wellness plan in place that is not linked directly to one vet clinic. I can use it where ever I chose (and where ever we may end up moving to in the future). My wellness claim was paid extremely fast. I hope to not have to use the injury/illness coverage, but I am glad it is there.
5

out of 5

POSTED: | BY: Ashley Gaer

Embrace is Amazing.

Embrace insurance, and the claims process is amazing start to finish. It is easy, the staff is helpful, and the process is not stressful at all, at times when the rest of you and your pet's life and issues are stressful! I really cannot recommend a better company to use for your dog or cat. We have a newfoundland who we thought tore his ACL, and had to get xrays immediately. They were close to $1k, and almost all of that was covered. I am so happy to know we have Embrace to help us through these times for our giant breed.
5

out of 5

POSTED: | BY: D. Decker

Wonderful staff, easy to use, great reimbursements

I'm very happy with Embrace. Their customer service staff is very friendly, very approachable, and always responds within 24 hours to any questions you may have or to new claims. My vet is able to directly submit claims without needing my signature over and over. I typically hear back from Embrace regarding my reimbursement amount within 3-5 days. They have reimbursed everything but a small invoice for skin issues which were preexisting (so totally understandable that it was excluded). I'm super happy 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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