Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Jenna

Really glad we went with Embrace pet insurance. It hasn’t a very personable and intimate feel that is rare. Also very fast

Would totally recommend this company to others. They are so nice, and I was notified the same day of one of our wellness claims that it was received and accepted. It’s really nice to know that this company cares about our dog. I did a lot of research before settling, and they seem to cover more with very competitive rates
5

out of 5

POSTED: | BY: Monica Johnson

The best insurance out there

I adopted a retired working dog almost 2 years ago, I looked into pet insurance which I had never gotten before on any of my previous animals, and boy am I glad that I did. 6 months after adopting Quimby, he became very ill, diagnostic tests alone cost a fortune, and with the surgery and hospital stay the bill was a little over $10,000 luckily Embrace and the hospital I took Quimby to were able to come to an agreement so they the hospital could direct bill Embrace, the entire bill was covered with no hassle, I only had to pay a fraction of the bill. Fast forward to a year later and Quimby has another issue where he needs surgery, another $10,000 and it was covered no hassle. This pet insurance company is the absolute best, and the best decision I have made reguarding the care of my dog, I will never go without paying for pet insurance!
5

out of 5

POSTED: | BY: Joanne Pergola

Amazing Compan, they truly care and a must have for your peace of mind!

I am so impressed with Embrace. Peppy, our sweet Daschund went paralyzed in her back legs and the only thing that could save her would be an extremely expensive surgery. They were truly compassionate from my first phone call and the claims process was so easy during such a stressful time. We received reimbursement within a week and they also covered any rehab that she needed to walk again. I can not thank them enough for bringing the Pep back in her step and making the entire family happy again plus helping us not go into financial debt!! Amazing company and I always recommend to any pet owner!! Even our deductible was waived because she was healthy without claims for many years!!!
5

out of 5

POSTED: | BY: Ethel

Always on Time

I can always depend on Embrace taking care of my claims for my pet after many visits to the vet. They always get in touch with you to solve any problems that may come up and they solve the issues quickly. I really appreciate their service.
5

out of 5

POSTED: | BY: Estelle

Thanks!!!

Perfect! Fast and efficient. Bill (> $900) from last Thursday already refunded on Wednesday morning. It helps! So much stressed by my dog’s health, fortunately I do not have to worry about the cost. Great service!
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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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