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: Margaret

Embrace is so easy to work with, I wish MY insurance was this easy!

It is so easy to file a claim with Embrace and before you know it, your refund is in your checking account! Piece of cake. The big people insurers would do well to study this company! Also easy to talk with a real person if you need to.
4

out of 5

POSTED: | BY: Peg

Satisfaction decreasing

My satisfaction with Embrace has unfortunately lessened in the past year. I have received three different sets of instructions as to how best claim medications purchased online (but with my vet's Rx). The inconsistency is confusing, and I did have one claim rejected based on a pre-existing mass my dog had, only the vet invoice says nothing about a mass... However I must still say that customer service responds quickly to my questions and they are pleasant and the hold time is minimal. And I have not had any issue with Embrace until this past year.
5

out of 5

POSTED: | BY: Sanna

So glad I had Embrace

My 4 year old male kitty, Willy, had to have emergency perineal urethrostomy surgery to alleviate a urinary blockage that they could not get out. Embrace covered everything at 90% minus my $250 deductible (close to $3,300) and I received my check in a timely manner. I had bought pet insurance early on to plan ahead for medical issues much later in the future, not thinking that I would have an emergency so early on in his life, but I am so glad that I had it. Thank you Embrace!!
5

out of 5

POSTED: | BY: Madeline

Worth every penny

I have been grateful to have Embrace Pet Insurance since my dog was 4 months old. I only obtained this as a precaution and so glad I did! My mastiff became sick with an autoimmune disease at 1.5 yrs old and the bills have been endless. Having this pet insurance has been a life saver. Claim process is smooth, reimbursement deposits have been smooth and customer services is great...truly worth every penny!
5

out of 5

POSTED: | BY: Kim

Awesome

Fast, and easy!!
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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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