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: 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.
5

out of 5

POSTED: | BY: Alicia

They're awesome!

They've been great to us and very helpful! Its been worth it to have pet insurance and I'm glad I got it with Embrace!
5

out of 5

POSTED: | BY: Linda

Great response to questions concerning coverage & reimbursement!

I cannot say enough good things about Embrace Insurance. Our Golden is close to 13 & he is beginnig to have arthritic problems. Great response to questions concerning coverage & fast reimbursement! Always kind & pleasant!
5

out of 5

POSTED: | BY: James

Affordable Caring

My dog needed to have surgery and Embrace Insurance is very helpful and responded within one day of posting a claim. Thank-you for making my dogs life much better and being able to take care of her.
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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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