Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Eliza

Pet insurance you can depend on

We insured our Morkie from the beginning, knowing it would soften hard choices for us if she were injured or reached a ripe old age. On the advice of a mentor we chose Embrace. As many have noted, not the cheapest, but reliable and fast in repaying expenses. She was diagnosed with a rare cancer last August, and we've been able to choose some expensive but relatively pain-free interventions, giving her a good life.
5

out of 5

POSTED: | BY: Tama

Best pet friendly company

Quick turnaround for claims, awesome people to speak with if you have a question. Peace of mind!
5

out of 5

POSTED: | BY: cheryl

Wish human insurance was as efficient

Unfortunately we had two claims in one month. Both were handled quickly and we received reimbursement checks within days. Very pleased.
5

out of 5

POSTED: | BY: ALICE

A Very Smooth Claim Experience

I've had my three dogs insured with Embrace since July of 2017. I had my first claim with my Yorkie in April of 2018. I was very impressed how the claim was processed. They advised me that they had received the claim, kept me posted on the status and most importantly, paid the claim very quickly. My experience with Embrace for the first time, makes me very glad I chose them!
5

out of 5

POSTED: | BY: Kristin

Quick service

We have an 11 year old Lab named Gunner. We have had embrace pet insurance for him for 10 years and were lucky enough to never have to use it. Now he has bad arthritis in his lower back that cause him to stop using one leg. He has been getting steroid epidural shots for it and when we put in our claim it is processed quickly and even the check was gotten to us in about a week. Recommend this company to all.
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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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