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: Rachel

Caring and simple process following a loss

Embrace was extremely caring and very easy to deal with through the loss of my pet. The entire process was simple and fair. Embrace also cares to take the effort to provide comfort for during that hard time which I have not experienced elsewhere, even from my pets primary doctor.
5

out of 5

POSTED: | BY: Teri

Thank God I had Embrace!

My dog is 5 and has had two surgeries and without Embrace we would have had a devastating experience, but instead we had the peace of mind that we were covered and could focus on healing our dog Bosco. Everything about the coverage to the ease of their app (which is amazing) is excellent and easy to use. Seamless and prompt, thank you.
5

out of 5

POSTED: | BY: Melissa

Easy Claims and Compassionate Service

It is so easy to submit a claim online. I submitted 3 separate claims recently for my dog Gracie, for when she visited the vet, stayed at the animal hospital, and ultimately had to be put to sleep. It was such a relief that the claim submission process was so straightforward and easily accessible, because at the time I felt too emotionally distraught to handle much “business.” Also, I didn’t expect to get a note from them expressing condolences for Gracie. That was really lovely.
4

out of 5

POSTED: | BY: Quantasha

Speed up claim processing time

Great insurance. It offer wellness coverage for doctors appointments and grooming however the only downside to this insurance company is the amount of time they take to process a claim. I understand it taking 2 weeks to process a claim regarding a procedure but a reimbursement on grooming shouldn’t take 2-3 weeks to process. Other than that, customer service is exceptional.
5

out of 5

POSTED: | BY: E.

2 Thumbs up for Embrace Pet

Have had Embrace for about 7 months for my malshi, who's now 9 months old. So far, everything's been great! Reimbursement is fairly quick, and customer service is friendly and helpful. One of the very few pet insurances out there that offers wellness visits as an optional rider; purchased it from the very beginning since dogs require numerous visits during the first year. All of my puppy's wellness follow-up visits, stool tests, vaccinations and even grooming have all been covered. Happy with 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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