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: Anthonie Rose

Great staff

The staff is friendly and respond quickly to emails. My claims were processed between a couple days to two weeks but never longer than that. I will definitely be staying with Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Sergio Donofrio

Excellent, clear, and prompt response

My experience with Embrace Pet Insurance has been very positive. While not every claim was covered, the explanation was very clear. Claims were handled immediately after receipt from the Veterinarian, so, very little wait time. For covered claims, the check came within just a couple of weeks. Staff is very friendly. As my dog is getting older and has more medical issues, I feel confident of the service provided by Embrace.
5

out of 5

POSTED: | BY: Beata Everett

Amazing!

We've had Embrace insurance for our dog Tucker for several years and on purpose we chose a higher deductible for emergency type situations. Our dog recently came down with Rocky Mountain Spotted Fever which then caused additional side effects. He was in the ICU for almost a week and we submitted bills to Embrace for around $6500, they have paid out everything in a timely fashion and took out the financial cost from our decision making when it came to figuring out his treatment. HIGHLY recommend them for coverage.
5

out of 5

POSTED: | BY: SMJ

Great Service and Professionalism

I have been using Embrace for my two dogs and have always received great service. Their turnaround time for coverage refunds is excellent. Always reach a professional and helpful individual on the other line when I call them. Would highly recommend them.
5

out of 5

POSTED: | BY: Terri Davailus

We don't know what we would have done without Embrace Pet Insurance!

I STRONGLY recommend Embrace Pet Insurance for ANYONE that has a fur baby! The monthly cost of the insurance is minimal compared to the thought of not having insurance in the event of an emergency! Our policy is PRICELESS! Thank you so much, Embrace...we don't know where we would be without you!!!!
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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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