Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Dewayne Brand

They are very friendly, helpful and accommodating.

Any time I have called, their staff have warm and friendly. They have answered any questions I have had, and gone above and beyond in getting my claim approved so that I could be reimbursed. The claim process is quick and easy.
5

out of 5

POSTED: | BY: Christine

Beyond Pleased!

I’ve been with Embrace for about two years now. It is so easy to submit claims and their response time for reim. Is very timely. I will continue to renew each with their company if the service continues to exceed my expectations! Thanks Embrace!
5

out of 5

POSTED: | BY: Carolyn Hopkins

Embrace Exceeded Expectations on Both our Dogs!

We purchased Embrace 4-5 years ago when both our dogs - Beagle and Plott hound - were first rescued at 1 and 2 yrs of age and never needed it - until 2017! One dog was tested over several months and finally diagnosed with Cushings and the other suffered a massive herniated disc rupture resulting in surgery in December. Both of these claims are ongoing and Embrace has paid all of them in a timely manner, has always been courteous and helpful over the phone when I've called and made this entire experience less stressful by paying claims for the coverage we have been carrying. We are retired and on a modest fixed income so I believe that the monthly premium for insurance on your pets is well worth it when something like this happens.
5

out of 5

POSTED: | BY: Robert

Embrace has been very fair

I am 100% satisfied with the care and concern that embrace has shown to me and my buddy styx. Your claim settlements have been fair. Embrace has not tried to cheap out any claims we submit - they very fairly evaluate them and act on them accordingly. Your folks are easy to deal with, are very friendly yet extremely professional. A couple of years ago when I was shopping pet insurance companies - many folks suggest I go with embrace - they said you were fair. Thank you embrace - styx and I are very glad we teamed up with embrace. Sincerely
5

out of 5

POSTED: | BY: Marcia

Embrace came through for us

Our young dog ate sugar-free gum and nearly died, she stayed at the veterinary hospital for 4 days and nights, requiring intensive care. Embrace Pet Insurance reimbursed us most of the bill in a very timely manner. We feel blessed to have chosen this company as our insurer.
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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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