Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Mehul Patel

Amazing Insurance Company

This is my 3rd claim in 10 years. Embrace has always stayed true to their coverage. This time around, the claim was made for a 2nd knee ligament repair for my husky. Embrace was extremely timely in pre-certifying the claim, and reimbursement ($6K) was made within a few days of the claim being submitted for all amounts promised to be covered by the policy.
5

out of 5

POSTED: | BY: Lisy

Extremely Satisfied Customer

I've been with Embrace Pet Insurance for several years. I've been quite satisfied with their service. The insurer is extremely prompt in processing their claims-no hassle, no headaches, super easy process!
5

out of 5

POSTED: | BY: Leigh

Great experience!!!

I am so thankful to have Embrace! Our dog needed Surgery and they paid our claim quickly and efficiently!
5

out of 5

POSTED: | BY: Teri

Great customer service

I am very happy with Embrace. They were quick and efficient in handling my claim.
5

out of 5

POSTED: | BY: Gretchen Taute

Embrace is a life saver

With four dogs and one cat, it seems that someone is always seeing a doctor. But Embrace seems to always come through for us. What a huge help having Embrace has been. Without them, it would be pretty darned tough to get everyone all the care that they seem to need.
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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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