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: Kyle

Insurance companies for humans could learn a lot from Embrace - outstanding!

I don't know how much more perfect pet insurance could be. All of my experiences with them over 7 years, insuring three dogs, have been remarkable, but the most recent was astonishing. We needed fairly expensive surgery, totaling about $5,000. Within only 1 week, Embrace reimbursed exactly according to the terms of the policy, covering every one of many different surgical line items in full. Their communication at every step of the process is excellent, with an almost immediate email to say they have received the claim and then very quick and fully transparent follow-up. I did extensive research on all available options before selecting Embrace. While it is very slightly more expensive than many others, it is so worth it. Strongly recommend!
5

out of 5

POSTED: | BY: Brian

You people have been amazing.....

I have never had an issue. Thank you for all the help with a dog that needs a shot once a month to keep her alive and with us.
5

out of 5

POSTED: | BY: Zach

Great Customer Service

Great customer service. I've had Embrace for almost a year now and I've had limited issues with their process. Furthermore, when I have had an issue the representatives on the customer service line have been exceedingly helpful. Most claims are completed within 2 days and all of the issues that have occurred were taken care of within 24 hours. Great service!
5

out of 5

POSTED: | BY: Gina

I’m happy with Embrace

I would recommend Embrace to anyone looking for pet insurance. I am very satisfied with Embrace.
5

out of 5

POSTED: | BY: Chandra

So glad we found Embrace!

Without Embrace I could not afford the care for my Danes that I am able do WITH them. So HAPPY!
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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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