Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Taylor

Embrace helps your pets get the care they need.

My dog Brodie ate parts of a sago palm and had multiple over night hospital stays. When I noticed Brodie was in the sago palm, I immediately told my husband we need to take him to the emergency vet and my husband replied “I dont have emergency vet money” But good thing I’ve had Brodie insured! The vets saved my dogs life and Embrace saved our financial situation. With vet bills piling up that equated to almost two months of our mortgage payment, we only paid a fraction. Thank God for pet insurance!!!
5

out of 5

POSTED: | BY: Cynthia

Great Customer Service, Fast Claim response.

Embrace has great customer service. Very helpful, responsive. They are easy to work with. They have handled my claims quickly and fairly. I'm glad I chose them as my Pet Insurance Carrier.
4

out of 5

POSTED: | BY: David

I'm really impressed with Embrace

I'm really impressed with Embrace. Our 2-year old cat got sick while I was traveling and my wife had to take him to an emergency vet clinic. Once I came home I submitted the paperwork to Embrace and within a few days they paid their share of the expense which really helped us. This was our first claim so we were definitely surprised how easy it was. I would recommend Embrace to any pet owners.
5

out of 5

POSTED: | BY: Sara

Quick, convenient, and easy

The customer service reps were very prompt and helpful. The app is very easy to navigate, and it makes the claim submission process go so quickly!
5

out of 5

POSTED: | BY: Mary

Our claims were handled promptly!

Our claims were handled promptly!
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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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