Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Terry

True friends during tough time

I am very impressed with Embrace. My greyhound had a freak accident, running inside, slipping on a slippery floor, ended up in the "splits" and fracturing her femur. She went to the emergency room and then to orthopedic specialists for surgery. Within two days of submission Embrace approved payment for the emergency room, and pre-certified the specialists work for the full amount. In addition, they stayed in contact with me over email (daily) and really demonstrated they were concerned about my girl. Thanks so much Embrace!!
5

out of 5

POSTED: | BY: George

I love you guys!

What makes Embrace such a good company is that I am working WITH them for the benefit of my pets. That's almost unheard of these days. They care about my animal family in the same way I do and are there with sympathy when we lose one. And when they deny part of a claim-which is almost never-there is a reasonable explanation. Thank you, Embrace. I have dogs with health issues, but I'm not tempted to drop them at the pound for lack of support.
5

out of 5

POSTED: | BY: Lillie

Very courteous and efficient staff in processing our claim

Very efficient handling of claims. Staff who took my pre-claim was very courteous, helpful and prompt.
5

out of 5

POSTED: | BY: Suzanne

Embrace makes taking the best care of my pup possible!

We have had Embrace for years and have always been very happy with it. They offer quick reimbursement for claims and friendly customer service. Forms are simple and easy to fill out for all involved. Best of all they give peace of mind that when/if your pet needs medical care you have the coverage to do so. That’s priceless.
5

out of 5

POSTED: | BY: patricia

They've kept me satisfied and taken care of with our coverage in every aspect

We are in the 3rd year of coverage for our dog and have recently added our cat to the policy. I have been very satisfied with the coverage and if ever there were any questions or issues to be dealt with I have encountered only friendly, courteous and prompt assistance. Thank You 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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