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: Belle

Amazing Response

I am so very happy with Embrace, we have our 4 Irish Wolfhounds insured with them, and I had to make my very first claim. They paid even more then I expected, and it was SO fast, less then a week for our first claim. Our old insurer took 3-4 weeks to pay out, and really made us fight for it, I am so pleased! I will recommend Embrace to my many Wolfhound friends!
5

out of 5

POSTED: | BY: Deb.

Caring

Embrace employees have been understanding and very helpful with my claim.
5

out of 5

POSTED: | BY: Maria

Best pet insurance

I'm so happy with Embrace and their customer service. Lily is covered 80% and the reimbursement process is painless. I love the direct deposit option and how timely they are with updates on claims!
5

out of 5

POSTED: | BY: Irene

Best Decision I Ever Made

I don't know what I would have ever done without Embrace Pet Insurance. I have two IG's, sisters from the same litter. Gigi started vomiting, bloody diarrhea, lethargy, fever, etc. I had to take her to three different vets! They did so many tests, including blood work (several kinds), x-rays, ultra sound, etc. She was admitted for dehydration because she stopped eating and drinking. I was so frightened I was going to lose her. The vet bills piled up rapidly and Embrace came through with every single claim...they even expedited my claims so I could get some money back to continue with her care. I don't know what I would have done without them! Thank You Embrace, from the bottom of my heart!
5

out of 5

POSTED: | BY: Joanne

Love Embrace

I have Embrace for just about a year now and they have been wonderful. I unfortunately had a sick dog who passed away and another one right after. So I went through a lot of money fast. Embrace processed my reimbursements quickly and I had no issues with the claims. Some people complain insurance is a waste because their claims get denied for technicalities but this is not the case with 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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