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: Stan

Very helpful when filing our claim and payment was very fast.

Embrace's customer service was very kind and helpful when we filed our claim, assuring that we received the maximum benefit. They also kept us informed every step of the way. I wish my own health insurance was this good.
5

out of 5

POSTED: | BY: Nick

So accommodating and friendly

Embrace is the best and totally understanding and helpful. They were willing to work with me to get a claim processed in an expedient manner before I went on a trip
5

out of 5

POSTED: | BY: Zoe

Contented customer

I have been with Embrace since I arrived in the US in 2013. I am fortunate to have had a fairly healthy dog until recently. All claims that I have submitted have been processed as expected, with a prompt response time and customer service.
5

out of 5

POSTED: | BY: Bonnie

Can't recommend highly enough to anyone with a pet

There are few services, especially insurance, that do what they say they'll do and in a timely manner. Embrace has never let me down. Anytime either of my dogs has had a problem and we've gone to the vet, the claim has been promptly reviewed and swiftly paid. I recommend them to all my friends. This is my 3rd pet I've covered with them. No need to look elsewhere.
5

out of 5

POSTED: | BY: Jodi

Couldn’t be happier

easy to submit claims and Embrace staff kept me informed of the status - always very timely
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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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