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: Irene

Embrace had my back!

I lost my little girl, Penny, today. We had 8 wonderful years. She had some challenging health issues as she got older, but she stayed happy, smart and playful, We had fun, lots and lots of fun. Embrace? Allowed her to enjoy her life. They had our back. I would have to take her to her vet and hear people complaining about their pet insurance. I told them they should switch to the Best pet insurance, Embrace. They will be there for you. Thank you Embrace. Such a sad time for me, but through all these years you were there to make her years the best!
5

out of 5

POSTED: | BY: Stacey

Amazing coverage and customer service

Our 3 year old American Bulldog Chassis is alkergic to most normal dog food and has pretty bad evironmental allergies as well so we are in the vet constantly for allergy treatment, medication and care. Embrace is amazing and has covered all her allergy issues including her bee sting that caused her an overnight stay at the ER vet with anaphylactic shock syndrome and we are paid in about a week from submitting the claim. The Embrace team gets back to you right away with coverage acceptance and is always always to go over our claims with us. We are so happy with the service we have had since Chassis was a puppy!
5

out of 5

POSTED: | BY: Katherine

Embrace Rescued Us

Embrace rescued us when one of my rescues, a 2-3 year old, suddenly had a mass on her leg. Claims processed within the week, precert for a surgical biopsy provided with zero hassle within 24 business hours. Patience and kindness to me even when I was anxious, unreasonable and difficult. After a terrible year of preexisting conditions, mistakes on coverage, Embrace has solidly worked to do its best for us. Everyone there who helped us get through this gets our eternal gratitude!
5

out of 5

POSTED: | BY: Taryn

Fantastic Insurance - Highly Recommend

We have had insurance with Embrace for years on our dogs. We have nevwr had any problems or issues getting claims paid and always a quick turnaround of payments. Superb.
5

out of 5

POSTED: | BY: Brian

Well worth the money!

So far my claims have been wellness related and Embrace has been amazing. They are extremely easy to work with and very responsive. The scope of coverage is impressive as well. I’m more than pleased with this policy.
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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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