Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Sheila

Major medical x 2 dogs 2019. EXCELLENT!!’

This company is across the board good. Last year one of my dogs had a brain tumor removed and the other had pneumonia with hospitalization. Very easy and simple (Like, “are you kidding me?!”) claims process. Also used several years ago for a leg laceration and jaw fracture (she ran into closed patio door. Use emblems folks! Lesson learned). Polite staff. Without hesitation I have my puppy insured by them. Very worthy of mention.
5

out of 5

POSTED: | BY: Pamela

The BEST pet insurance EVER!!!

I was lucky enough to purchase pet insurance 6 weeks before my adorable 6 year old puppy dog developed a very serious brain disease called Meningoencephalitis. Embrace swiftly paid us back 90%! I highly recommend purchasing pet insurance for your pets!
5

out of 5

POSTED: | BY: Amy

Embrace Rocks.

These guys are great. Love the ability to upload and send documentation. If it's not all there, THEY call the vet. Fast reimbursement. Customer service is superb. Wish my own health insurance was this good.
5

out of 5

POSTED: | BY: Darlene

Signing our puppy up for Embrace Insurance was the smartest thing we could have done!

We signed him up as a young puppy and for a number of years only used the Wellness Benefits. However he has since had several (expensive!) medical issues that have developed. Literally, each and every time we have sent in a claim the claim was processed quickly and we were very quickly reimbursed according to the terms of his policy. We had a question or two one time and got a friendly and accurate explanation of the issue...we have always been quickly reimbursed and the time we contacted them they were friendly, easy to understand, and understood our needs. This policy has made these unexpected medical expenses for our dog affordable and has helped us keep his issues under doctor's care.
5

out of 5

POSTED: | BY: Kaye

Great customer service

I have just joined Embrace but after reviewing their pet policy and conditions, other reviews and talking to the representative, I feel I have made a great selection in choosing 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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