Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Meredith Savarise

Reliable, Quick, Easy Coverage

Our beloved Bear has had many trips to the vet for various reasons, but I never worry about being covered. Visits, surgeries, prescriptions, they are all covered and the claims processing time is incredibly short. Enrolling in Embrace was one of the best decisions I've ever made.
5

out of 5

POSTED: | BY: Cheryl Zygmunt

Wellness Program

Wellness program is worth the money. They cover everything they say they will and in a speedy manner.
5

out of 5

POSTED: | BY: Aaron Upchurch

Fast, efficient, caring coverage

As always the Embrace staff quickly and efficiently reviewed our claim. Their communications expertly guided us through the process which provided us peace of mind with regards to our dog's well being.
5

out of 5

POSTED: | BY: JJ

Long time customer

I have had several pets insured by Embrace for the past 15 years. My current pet has a brain tumor. It is comforting to know I have the insurance. All claims but one (just needed a quick phone to get resolved) has been handled quickly and checks issued within a week. I would and have recommend Embrace to others.
5

out of 5

POSTED: | BY: Danielle

Transparent, Reliable and Comprehensive Coverage

We purchased an Embrace insurance plan last year before my then 8 year old dog had experienced any serious health issues. Unfortunately, this past month he experienced one health issue after another including respiratory distress (one night in the ICU), two weeks later chocolate poisoning (another night in the ICU), complications of pancreatitis following (4 night hospital stay starting on Christmas Eve) and metabolic changes from the pancreatitis that resulted in a grand mal seizure at the hospital, requiring follow up with a neurologist. In addition to all our vet visits and hospitalizations there was daily lab work, an ultrasound and chest x-ray. We had thousands of dollars in bills and while I wish none of this had happened I am relieved to share that Embrace covered everything their policy had promised. There were zero surprises, the customer service was excellent and helpful and claims were processed in about two weeks with payments made via direct deposit about two days after claims were approved. We are so grateful to Embrace for giving us the peace of mind to focus on our dog. There is no bait and switch with this company and I would strongly recommend Embrace to anyone considering pet insurance!
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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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