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: Vicki

Embraced during a health scare

Our sweet Dandie, Tavish, somehow got into a plastic container of about 30 pieces of xylitol gum and ate them all. After googling how toxic xylitol is, I rushed him to our local vet who stabilized him enough so I could take him to a specialized vet where he had to be on blood glucose iv and liver protectant for two days. They were the best and submitted our claim for us. We were kept informed and got our reimbursement within 10 days.
5

out of 5

POSTED: | BY: Isabella

Embrace is AWESOME!

What a great experience! Accidents and sickness can happen at the most inopportune times and I am so thankful to have such great coverage for my pup. Working with Embrace so far has been such a pleasant and easy experience - I highly recommend!
5

out of 5

POSTED: | BY: Debra

Great!

Our 9 year old pomeranian has been insured with Embrace since he was a puppy. Our dog has had two orthopedics surgeries: patellar luxation repair at 1 year of age and then recently surgery for a hip dislocation (trauma). Both times Embrace has reimbursed us quickly with a reimbursement check received within 2 weeks from submitting the claim. We are very glad we chose this company!!
5

out of 5

POSTED: | BY: James

Pet Embrace makes the whole process very convenient

Pet Embrace makes the whole insurance claim process very easy. When you do have to call they are very friendly and they try to make the whole process very easy. I would recommend Pet Embrace to anyone looking for pet insurance.
5

out of 5

POSTED: | BY: S.W.

Excellent Support & Fast Claim Pay

Pet parent of 11 yr old mixed large breed dog. Thought of spending almost $100/month was something I wrestled with. However ultimately after several online chat sessions and emails where each representative was very patient and thorough in answering my many questions, I was more at ease. Claim process by Embrace has far exceeded my expectations, especially with payout. Have had policy for less than 3 months and I've had 3 claims submitted (diagnostic blood work, comprehensive blood work, and medication...optional cost but worth it). Each claim was paid out via direct deposit (love that they offer this option) within 72 hours of getting email confirmation of receipt of claim. Recommend buying as much policy as you can afford upfront as fine print says if you increase coverage wait period applies. New wait period does not apply to reducing coverage. Also check with your bank or other insurance company for your home/auto as they may offer a discount for your pet policy. Sad to have had to use policy so soon but so thankful I have it so my girl can get the care she needs and I have the peace of mind knowing I can now afford it. Waiting on vet to submit claim for recent surgery to remove a sock she ate ($2700), and have every confidence it will be handled as efficiently as the prior claims.

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 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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