Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Nancy

The pet owner experience with Embrace met all my expectations!

My veterinarian recommended Embrace when I adopted my puppy. In the first year, i've submitted 3-claims. Claims were paid out, as outlined in my coverage, without contest or delay. My experience with their customer service staff has been exceptional!
5

out of 5

POSTED: | BY: Miriam

Outstanding response and service every time.

I am very impressed with the timely responses I have received Whenever I have submitted a claim or request for a preauthorization for a procedure for my 15 year old cat. The best thing I did was to choose Embrace Pet Insurance to cover her medical needs. I highly recommend them.
5

out of 5

POSTED: | BY: Linda

Best experiences ever

I have two Havanese dogs and both have had torn ACL surgery - one dog, both knees and the other one knee. Embrace never questioned any of my claims and paid them almost immediately. These are the best people to work with and as I told the Embrace Team after the third ACL claim, I will never complain about paying my yearly policy premium because they have gone above and beyond to take care of my boys.
5

out of 5

POSTED: | BY: Linda

Excellent insurance and excellent customer service

Excellent service and customer service is the best 🥰🥰🥰🥰
5

out of 5

POSTED: | BY: Cathy

Extremely pleased!

I have had insurance with Embrace for approximately eight years for my English Mastiff and am beyond happy with the service I have received. Claims are reviewed and completed quickly. Communication is very good and the staff is great!
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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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