Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: OSCAR M

the claims filing process was easy and…

the claims filing process was easy and efficient through the online site by answering a few questions and uploading documents, including receipt and updates with a timely turnaround. thank you!
5

out of 5

POSTED: | BY: Rebekah Hemling

I have never before had insurance for…

I have never before had insurance for any of my pets. In the past it was a costly mistake. Our last German Shepherd dog bloated and required immediate surgery costing over 7k dollars. Later, he developed perianal furunculosis, and we lost him shortly after his diagnosis. When my husband and I purchased our new dog we knew immediately we need to purchase insurance just in case! Hoping, of course to never need it. However, that wasn't the case. Recently, our dog had a spell of allergies and required vet care. Then two weeks later he got pretty sick and was vomiting, shaking, and landed us in the ER. With $2000 in unexpected vet bills it was an ouch! I immediately filed both claims with Embrace. The claims went through normal procedure, and I received an email yesterday that both claims have been processed and paid! Thank you, Embrace!! We HOPE to never need anything else but the wellness insurance! We are SO grateful!
5

out of 5

POSTED: | BY: Kate Treasure

Embrace Pet Insurance is a wonderful company.

Embrace Pet Insurance settled my claim quickly. It was the first time I’d submitted a claim for my 12 year old dog, Syd. Syd became very ill. I took him to an emergency veterinary hospital. Several tests were done that showed he would require a very delicate surgery. At his age the prognosis wasn’t good. The made the decision to have him euthanized. I was told by Embrace that they would need to review Syd’s records for several previous years and that it could take about 30 days for them to determine a payment. I was very pleasantly surprised when I received an email with a very generous settlement within a week! The people I spoke with were all very kind and considerate. I highly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Jean

VERY EASY VERY FAST GREAT COMMUNICATION

VERY EASY AND REIMBURSEMENT VERY FAST. GREAT COMMUNICATION FROM EMBRACE. DEFINITELY WILL RECOMMEND!
5

out of 5

POSTED: | BY: Clems

Embrace has been wonderful

Embrace has been wonderful. The claims submission is very easy and the website walks you through each step needed. My puppy didn't have some background information that was needed and they reached out and let me know what they needed and how to get it. Response time is quick and they are available for any questions. Wonderful experiences so far.

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 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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