Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Lauren Howard

Thoughtful, thorough, and dependable!

Four years later and this dog just keeps coming up with mystery ailments and oddball accidents! Embrace had always been there and has been incredibly comforting to know that I won’t have to make tough decisions about Birdie’s care.
5

out of 5

POSTED: | BY: jamal

Great experience ever, I always recommend embrace to everyone who will listen.

I just want to say, i have had the best experience, the staff is extremely helpful and knowledgeable and is always there to solve the problems or guide you thru their procedures.. it's simple and extremely helpful. i just want to thank you for being amazing at what you do...
4

out of 5

POSTED: | BY: Luke Eddy

Claims covered, unexpected paperwork, friendly staff

Had several claims for wellness and one for an accident. All were covered. The amount of paperwork required for the accident was ridiculous, but the wellness claims were reimbursed easily. I'm rating a 7 and not a 10 because I am overall pleased, but the accident claims process and user interface on the website were quite cumbersome to use. Additionally, if I had scrutinized the claims form BEFORE the accident occurred I likely couldn't have gotten it covered due to the nature of the process involved. Even with being prepared I still had to follow up with several additional emails/documents to properly complete the process.
5

out of 5

POSTED: | BY: Devin Law

Easy to use interface and the customer service is excellent!

It's super easy to upload documents and also have our vet fill out the forms. Anytime I had questions or didn't understand the process, their customer service team was super attentive and patient with any silly questions I asked! I'm really glad I got my dog's insurance through Embrace.
5

out of 5

POSTED: | BY: Rosemary McLain

Thank God for Embrace!

Apparently I attract very sweet, adorable dogs but ones that have a lot of medical issues. My sweet dog Chancey is on Allergy Medication and medication for his skin that is given once a month. He has also had several severe issues with Bladder Stones that required multiple surgeries and through all his medical issues, Embrace has been behind us all the way. It is a wonderful feeling to know that no matter what comes up with Chancey, I do not have to worry about how to pay for it thanks to my insurance with Embrace. If you have never bought insurance for a pet before I would strongly suggest that you start with Embrace. They pay my claims quickly and without judgment and not once have they questioned why I seem to use their services so frequently.
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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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