Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Yoko

Great customer service

Reaching customer service was quick and everybody was knowledgeable and professional. Reimbursement was very quick as well. I am very happy that I kept this insurance.
5

out of 5

POSTED: | BY: PATRICK

Embrace truely covers exactly what yoyr policy dictates

Embrace is very honest, they process your claim quickly and are very professional when you call and have any concerns.
5

out of 5

POSTED: | BY: Sherry

Happy Layla's claim was paid.

Very happy Layla's claim was paid. All of Layla's claims for her visits regarding eosinophilic granuloma have been paid. She has received acupuncture and AAT and these treatments have been covered. I believe they have helped Layla stay healthy. I think it is wonderful that Embrace covers these alternative treatments. I wish human insurance was so open minded. Wish Embrace staffers had said in words that I could not upgrade my policy when I signed up. My only complaint.
5

out of 5

POSTED: | BY: Amanda

Excellent Service and Response Time

Embrace has provided fast and reliable service since I've had Sumo. They are very responsive and helpful with any questions that arise. Any emails I've sent in reference to claims have been answered quickly, and all my claims have been covered. They are way better than some other very popular pet insurance companies out there.
5

out of 5

POSTED: | BY: Amanda

Excellent Service and Response Time

Embrace has provided fast and reliable service since I've had Sumo. They are very responsive and helpful with any questions that arise. Any emails I've sent in reference to claims have been answered quickly, and all my claims have been covered. They are way better than some other very popular pet insurance companies out there.
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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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