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: Brian Branam

Very fast processing and payment on claims and great customer service.

I've filed multiple claims with them so far for our dog Charlie. The claim process is very simple and fast (after the initial medical history review). Every time I've emailed customer service a question, I've gotten a response by the next day. Thanks!
5

out of 5

POSTED: | BY: Wendy Ginn-Noles

This insurance is the best thing that I have done for my pets and myself

I have had the insurance for a few years now. The best move I have made. Now weight is lifted about the financial worry of getting my dogs seen to
5

out of 5

POSTED: | BY: Shannon

Big Dogs Have Big Medical Bills

We did not have our 1st Great Dane Isabel covered, her bills racked up to over ten grand in just 4 days. She did pass away due to her illness. That will never happen again! Now I have another new Great Dane puppy that I covered with Embrace before I took her to the vet. They have covered every single bill I have submitted, even nail clipping, ear cleaning & baths.
5

out of 5

POSTED: | BY: Rochelle &

Simply Awesome!

Embrace has been totally amazing with approving and reimbursing my claims for my Shadow. He's had a pretty rough year between a diagnosis of chronic bronchitis and then removal of a lipoma, Embrace approved every single claim without hesitation. Shadow is on Flovent for his bronchitis which is quite expensive. Without pet insurance I would have had to make some really tough decisions, especially during the June 2017 through October 2017 timeframe when I was unemployed. Knowing Embrace would reimburse 80% of his medication as well as the lipoma removal, I didn't have to make those tough choices. I couldn't think of ever changing from Embrace. And we just added our new little girl to the policy!
5

out of 5

POSTED: | BY: Cary J

Best thing I ever did was have my Little Star 'Embraced'

You guys are awesome. Have never been happier with an insurance company.
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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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