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: Donna

Embrace has been a great blessing to us

When our dog started limping, we struggled with the vet for months - then a referral for an MRI - we couldn't have afforded it without Embrace, then other issues related to the limping - finally found the answers, and she is healing nicely. Thanks to Embrace who has been there all the way - helping us afford the diagnosis and treatments.
5

out of 5

POSTED: | BY: Kelly

Would never be without Embrace Pet Insurance for our dogs!

We have had Embrace insurance for our dogs since 2011. The claim process is very easy and the customer service is excellent. We have never had a claim denied. It gives us peace of mind knowing we can provide good care for our dogs without going broke in the process!
5

out of 5

POSTED: | BY: Sherri

Fast and easy claim submission

Submission of my cat’s claim form was so easy through the website. The response time was immediate and my claim was reviewed and approved within a few days. I received my reimbursement check a few days later. Very good experience.
5

out of 5

POSTED: | BY: Johanna

Great Company

Embrace has been such a great company for us. We have dealt with several health issues and having an insurance has made it so much easier to take care of them. We have never encountered a problem with the claims. It is easy to communicate with the company and they really care. When our older dog passed away we received a handwritten card from Embrace, it was such a wonderful gesture. Claims process is very simple, one short form to fill out and most cases I just ask the vet office fax it over directly. I have nothing but positive to say about Embrace, I would highly recommend them.
5

out of 5

POSTED: | BY: Ashley

Efficient and straightforward

Embrace is fabulous! I’ve had them for 7 years. They’re efficient and transparent.
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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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