Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Carla hart

Would Highly Recommend

I am so pleased with my experience with Embrace to date. Once the initial set up is done and the vets have all given the necessary information, the process with Embrace is so quick and efficient. The choice of plans is amazing. I would highly recommend.
5

out of 5

POSTED: | BY: Cynthia Rooney

Great Company

I have had embrace accident for 5 yrs. I never needed them until my dog got skin allergies about 3 yrs in. Then was diagnosed with a heart defect at 4.5 yrs. I would never been able to afford her surgery without them. They were awesome, and my baby is healthy and happy at 5 yrs old.
5

out of 5

POSTED: | BY: Scott

First Time Claim Was Very Smooth!

This was the first time I submitted a claim. Doing so online was very fast and easy. Once submitted, the Embrace team sent me regular updates about the process of reviewing the claim and I felt well-informed all the way to claim settlement, which was done very quickly. A very smooth experience!
5

out of 5

POSTED: | BY: Anglea Tietge

Best Pet Insurance!

I have had Embrace insurance coverage for at least 9 years for 3 of my dogs and have been extremely happy with the coverage and the customer service I've received. I had one dog with pre-existing conditions going into it (I didn't insure her as a puppy), but I was aware of that and knew what to expect when it came to what was covered and what wasn't. My other 2 dogs I made sure I insured as puppies so they've been fully covered with no pre-existing conditions. Embrace has covered orthopedic surgeries, cancer treaments, allergy treatments, training, cardiologists, the list goes on. I won't be caught without Embrace!
5

out of 5

POSTED: | BY: N. Hopewell

The ease of filing claims 2nd to none

The ease of filing claims is second to none. The app actually WORKS, and it's easy to file claims and see the updates. The coverage is excellent, and I find it comforting to know care my sweet pup needs will be taken care of by Embrace.

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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