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: Kae

LOVE this insurance policy!

We spent significant time looking at various plans and doing comparisons. In the end, we went with Embrace. SO happy we did. We included the Wellness Care option with or Plan and were skeptical about how long it might take to get reimbursed for covered Wellness Care expenses, but our worries were unfounded. We get reimbursed (via automatic deposit directly into our bank account!) quickly and get to use a quality Vet of our choice - PERFECT! We are VERY happy with our plan and enjoy knowing the simple things are covered (grooming, annual visits, etc.) and that we will not be blind-sided should the unexpected happens.
5

out of 5

POSTED: | BY: Jen M

Don't know what we would have done without Embrace

When we adopted Dewey at 10 weeks old from our local Humane Society, I debated whether or not to get pet insurance. I decided to go ahead and get him covered then, just in case we needed it when he got older... he's a large breed, and our previous dog had developed mobility issues when he reached old age. I never thought we'd have to use it much until Dewey was much older, unless he suddenly got ill or was injured in an accident. Then at about one and a half years of age, he developed luxating patellas in both knees, requiring corrective surgery for each knee separately. I don't know what we would have done without Embrace to help cover the vet bills for each of his two surgeries. They were great from start to finish! Their customer service is fantastic, and they process claims very quickly. Thank you, Embrace! Dewey is doing well and recovering from his second surgery. Because of you, we've been able to focus on his rehab and not worry so much about the surgery bills. I'm so grateful for our policy with Embrace!
5

out of 5

POSTED: | BY: James H

Great service

Prompt payment, no hassle. Wish they had highlighted or emphasized a direct deposit option when I enrolled, and also during the time I have been a client. I had to call and get that set up after claim was paid, and check was sent. This would shorten the time to get repayment, and reduce chance to lose a mailed check. Overall my experiences have been very positive.
5

out of 5

POSTED: | BY: Daniel Allard

Extremely satisfied

I have had a Embrace policy for the past nine years since we adopted our beautiful kitty when she was 8 weeks old ! My cat has to take meds each month and Embrace is quick to turn around my claims whenever I have to order medicine for her and they are very good at communicating the status of my claim all the way through their claim processing ! They are a excellent company to deal with and pride themselves on their customer relation skills which , in my mind , is very important to all of us pet owners ! I would highly recommend them for anyone thinking about purchasing pet insurance ! You will not be disappointed !!
5

out of 5

POSTED: | BY: Irma Nance

Thank you

This is the second time I've had a larger than normal issue. Because of embrace my Sunny gets to live.

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 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.

Get a quote today

Leave a review