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: Vicky

Excellent customer service and east/fast to submit claims...

I’m very impressed and pleased with Embrace’s customer service. The claim process is simple and quick. I’ve never experienced any problems and have been a customer for years. I’m grateful for pet insurance and Embrace taking care of my baby.
5

out of 5

POSTED: | BY: Michael Helms

Booster Shot

Took my dog in for a routine booster shot. Uneventful. Filed claim for $23.00 that was promptly covered under the annual $200/yr wellness benefit.
5

out of 5

POSTED: | BY: Susan Phillipp

We are lucky to be "Embraced!"

We have been able to count on Embrace to help alleviate the high cost of veterinary care for our "furry problem child," our Golden Retriever, Levi. Embrace was there when, at four months, he ate my son's very large sock and needed emergency surgery. Little did we know that was only the beginning! Embrace has been there for us through poisonous snake bites, several life-threatening events, including toxicicity from an unknown substance, as well as more surgeries and other emergencies.. Through it all, Embrace was quick to settle the claims so we could financially recover more quickly from Levi's many emergencies. He is a 9 year-old "puppy" that brings a smile to everyone he meets and joy to our family. Thanks, Embrace! '
5

out of 5

POSTED: | BY: Maxamina Muro

Fractured tooth

My chihuahua, Lulu, fractured several of her teeth and had to have them removed. At first the coverage was denied, but I asked them to have a second look and they covered the expense of the surgery. What a relief it is to have insurance through Embrace.
5

out of 5

POSTED: | BY: Shannon

Amazing

Getting an Italian greyhound I knew I would need pet insurance. I immediately purchased embrace and I couldn’t be happier. They paid my claims in 15 days or less and the money was deposited 2 days or less into my account. They also left a nice message to make sure my doggy would get better. Thank you embrace
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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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