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: Mary

Embrace Insurance has been responsive and caring

My dog was diagnosed with grade 2 cancer in her mammary tract. Embrace has been with me every step of the way from x-rays, surgery, biopsy, diagnosis and the oncologist's assessment and recommendations for treatment. Embrace representatives have responded with respect and caring to my questions and concerns. Processing and payment of claims has been prompt. I would highly recommend Embrace to anyone buying pet insurance.
5

out of 5

POSTED: | BY: Gwen

So thankful for Embrace!

Bought insurance when our now 9yr old cavachon was a puppy. Never had to use it until she tore her ACL and required TPLO surgery. Embrace has been WONDERFUL to work with and claims are effortless. And...both our vet and the hospital that did her surgery said Embrace is a great company! I'm recommending them to everyone!
5

out of 5

POSTED: | BY: Emily

Responsive & Caring Customer Service with Quick Claim Turnaround Time

We adopted our Boston Terrier at middle age. Within the first few months, we got Embrace insurance for her. A few months after acquiring the insurance, she was diagnosed with anemia and Gastrointestinal disease. Embrace insurance has covered all of her claims, and they have had rapid turnaround time in reviewing her claims and reimbursing us. Having Embrace's excellent customer service and response time has made dealing with our dog's illness easier and less stressful. Embrace also had no problem with us taking our dog to be evaluated by three different veterinarians to ensure she was getting the best possible diagnosis and treatment.
5

out of 5

POSTED: | BY: Nicole

So glad I got Embrace!

I was on the fence about whether it would be worth it to get pet insurance for our new puppy. I finally made the decision to go with Embrace, and it was the best decision. It was very easy to submit a claim, when I had a question it was answered promptly by their wonderful customer service agent, and I received payment on my claim very quickly. Definitely worth it!
5

out of 5

POSTED: | BY: Ron

Very Customer Oriented

We have had Embrace for 3 years and have had 2 dogs covered. This insurance company is extremely fair in their reimbursement, and their process is easy and fairly quick. I have only had to call once, but that was just for information, and the person i spoke to was extremely courteous and helpful. Would highly recommend this company.
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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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