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: Evan

Older Cats

Found out our girl needed some teeth pulled, the pre-authorization went smoothly/quickly. Claim payment was approved quickly. No complaints. We switched to Embrace 2 years ago and have never looked back.
5

out of 5

POSTED: | BY: Nannette

Fantastic response time and explanations of claim.

Excellent customer service and quick response/turn around times. I recommend them to my dog training clients as well.
5

out of 5

POSTED: | BY: Brooke

I would be moved in with my parents if it weren't for Embrace

Embrace has been an absolute godsend for the last 2.5 years as i've dealt with every injury/illness imaginable with my English Bulldog. Every time I get a vet bill I think to myself "one day they are going to break up with me", but they have been there every single time to save the day. It is such a weight off knowing I can bring him to the vet without blinking an eye when something seems off because it's not all on me to front the bill. I will recommend them to absolutely everyone I know.
5

out of 5

POSTED: | BY: Kathleen

Couldn't do without EMBRACE insurance

A very decent and reputable company. Fast reimbursement, paper work is not burdensome, and if your dog needs an expensive operation, a lifesaver. I have insured two dogs, and will add any new dog that comes into my life.
5

out of 5

POSTED: | BY: Kevin

Embrace did a great job

My experience with claim filing was excellent. Embrace processed the claims very quickly and when complete my reimbursement went directly in my bank. Never had a single issue during the whole process.
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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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