Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Carolyn

Prompt action on claims, speedy reimbursement

Easy to use website, claims can be sent via a photo download quickly and easily. Prompt responses for receiving, processing, and direct depositing of paid claims.
5

out of 5

POSTED: | BY: Angela

Outstanding customer service and coverage

I have had embrace since my dogs were under a year old and have always had an excellent experience
5

out of 5

POSTED: | BY: Brandy

Great variety of coverage

I am a new customer of embrace insurance and I can say I love it already. I choose embrace because they are the only insurance company that covers 100% wellness coverage with no deductible! This is extremely helpful as a new puppy owner. Knowing that vaccines, obedience training, spay/neuter surgery, and more is all covered 100% is so helpful. It definitely takes away from the financial stresses of owning a new puppy.
5

out of 5

POSTED: | BY: Dewayne

They are very friendly, helpful and accommodating.

Any time I have called, their staff have warm and friendly. They have answered any questions I have had, and gone above and beyond in getting my claim approved so that I could be reimbursed. The claim process is quick and easy.
5

out of 5

POSTED: | BY: Christine

Beyond Pleased!

I’ve been with Embrace for about two years now. It is so easy to submit claims and their response time for reim. Is very timely. I will continue to renew each with their company if the service continues to exceed my expectations! Thanks 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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