Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Bonnie Jean

Hassle Free !

This company is great ! My dog was diagnosed with nasal cancer and they reimbursed everything up to my contract allotment. I took a copy of the claim for to the 2 vets I had to visit and the staff took care of the rest. I was able to check the status of my claim online. Within about 2 weeks I received a check for the amount of reimbursement I was due. Radiation therapy and the initial scanning is not cheap so it was a great relief to know I had money coming back ! Thank you Embrace for being true to your word !
5

out of 5

POSTED: | BY: Rachel

Stress-free coverage

Within 9 months of adopting my dog, I realized he was too high-energy and accident-prone to not have pet insurance, and I was right! Over the winter he slipped while playing in the snow and tore a ligament in his knee and needed surgery. All told, the cost for surgery, x-rays, and vet visits was close to $7,000. I only ended up paying about $1,500 (and I had been paying about $300 per year for Embrace insurance, so well worth it). My claim was processed in less than two weeks. Pet insurance is not cheap, but the whole experience with Embrace gave me a lot of relief during a stressful time with my dog.
5

out of 5

POSTED: | BY: Kathleen Ferry

1st class company. Strong customer service.

Embrace is a 1st class company. Their customer service is awesome and their claim process is quick and efficient. So happy I decided to insure our 2 pups with them!
5

out of 5

POSTED: | BY: Johanna

Super Easy Claims

Submitting claims and getting reimbursed has been super easy. (Much easier than my own health insurance!) Customer service was great for any questions. It’s a no-brainer to carry this insurance. It’s helped a ton.
5

out of 5

POSTED: | BY: Shelly

Awesome Insurance

I have Embrace for over 5 years! They’re amazing
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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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