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: Heather Parker-Jones

Danielle is an exceptional customer service provider

I called the customer service line and my call was answered by Danielle. She provided polite, professional and excellent service. When there was an issue with the phone lines, she called me back three times to ensure she was able to address each of my concerns. She deserves a promotion!
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1

out of 5

POSTED: | BY: Tom

Look elsewhere for pet insurance.

I have had Embrace for 4 years as it is a preferred provider of USAA (which I am a member). To be honest, I am extremely unhappy with this provider. I have had the insurance for 4 years and have NEVER made a claim and my premium just doubled! Yes doubled! It was already extremely high to begin with. My pet insurance premium is now more expensive then my car insurance and my renters insurance combined! I will be finding a new insurance provider and plan on canceling my policy with Embrace asap. I highly recommend you look elsewhere for pet insurance.
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5

out of 5

POSTED: | BY: Donna R M

Simple process

Simple process. Paid for everything I expected.
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5

out of 5

POSTED: | BY: Amanda Crandall

Pet owners need these folks

We used Embrace for our accident-prone pup for most of his life. Submitting claims was easy, and they covered everything that we expected with no issues. They were also very kind when he passed away in his old age and gave us a refund for the remaining time on his policy. I highly recommend them.
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5

out of 5

POSTED: | BY: susan s

Very Positive Experience

Was very easy to use the Embrace calculator to figure out an acceptable payment for the Embrace insurance and Wellness plans. I chose Embrace primarily for the Wellness Plan that many other companies do not offer but when I did have a medical claim it was fully covered almost immediately. When I had a question recently the Customer service person was knowledgeable and helpful. My experience with Embrace has been very positive.
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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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