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: Melissa

Excellent Customer Service

I was very impressed with the customer service. I procrastinated buying pet insurance, and I am so glad I did. About two months after I purchased insurance, my dog bloated and had an emergency GDV and then had complications after surgery which put him in the hospital for two days over Easter weekend. Embrace processed our claims very quickly. I did have one of his claims get denied that shouldn't have been. I called and explained the claim, and they opened the claim back up and fixed it right away. I would definitely recommend this insurance company to any pet owners.
5

out of 5

POSTED: | BY: JoAnn

Great experience with a very traumatic injury

Our dog Shotzie needed double ACL surgery. She was almost 11 at the time. Instead of considering the cost we had Embrace to help to focus on our family member. It was 2 years ago she had the surgery and we rehabilitated her and Shotzie is running and playing. A great dog. Thank heavens for Embrace!
5

out of 5

POSTED: | BY: Heidi

This is the best company for pet insurance EVER!

Our 2 dogs have been afflicted with my “black cloud!” Thanfully Embrace has been there through it all! I wish they could insure us humans!!! They are a Godsend!!!
5

out of 5

POSTED: | BY: Jackie

Great experience

I’ve had Embrace for about three years without using it until my dog was diagnosed with hyperthyroidism in March of 2018. It was very comforting to know my dog would be able to get the surgery she needed and it would be covered. Embrace has been great and covered all of my claims quickly.
5

out of 5

POSTED: | BY: Janel

Excellent Service

I am so glad I got Embrace for my two dogs, Sochi and Kimi. They have been covered since birth and are now 4 years old. Embrace makes submitting claims a breeze and their response time is amazing. I’ve only had to call a few times, but each time, they made me feel like my dogs were the most important thing. I have been so happy with my coverage and have recommended them to everyone I know that has pet babies.
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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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