Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,896

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: Noel

I deal with a lot of insurance companies in my line of work, this is by far the easiest to deal with!

I'm so happy that I purchased Embrace for my dog! She is the 5th dog I've owned and the first one I purchased pet insurance for. They process the claims very quickly with out giving you a hard time. I've had to use this 2 times in 2 months for surgery on my pets legs. She injured her right leg then 5 weeks later injured the right. She was covered with out any problems. I hope I won't need to use my insurance any time soon, but I know that if I need it I have it. It's stressful enough when your pet is injured, having Embrace really made a difference.
5

out of 5

POSTED: | BY: Melissa

Wonderful experience during a hard situation

I can't say enough how glad I am to have Embrace. Just this year, my dog had a mammary mass surgically removed which turned out to be cancerous. She then had chemotherapy. And then she somehow managed to get a bad corneal ulcer requiring emergency eye surgery. Through all of this, Embrace was wonderful with processing my claims. They did not try to deny anything and even covered things I hadn't expected them to, like the e-collar she was sent home with after surgery. So thankful they are the company I chose for pet insurance.
5

out of 5

POSTED: | BY: Claudia

Best Insurance

Excellent service as usual Thank you Embrace for continuing to cover the treatment for my Sasha. Without your support I dont know how we could have afford the best treatment after she had the kidney failure. She is herself again after 6 long months of intensive treatment. Embrace was an amazing help - claim submission it's easy, processing time is short and we never had surprises about coverage and what they say they'll cover, they did! Thank you so much ....very very happy we have Embrace I would absolutely recommended to pet parents.
5

out of 5

POSTED: | BY: Charles

We are very pleased with the quality and care of our insurance for Sophie!

Excellent insurance!!
5

out of 5

POSTED: | BY: Celeste

I love that I can send in my claim by scanning it to you

Excellent. They have always been fair and honest with me.
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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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