Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Jill

I'm a happy camper!

I've been an Embrace policy holder for several years and have been fortunate to have not needed them for most of that time. However, recently my Golden had some medical issues and I needed their help. My request was met with professionalism, (mixed with compassion!), efficiency, and reasonableness in terms of reimbursements. Thank you for being there when I needed you.
5

out of 5

POSTED: | BY: Mary

Great experience

It's always stressful when your four legged child is sick or has an emergency. Embrace takes the worry out of the claims process. Fast and efficient with a professional team!
5

out of 5

POSTED: | BY: Keona

Been a customer for 3 yrs

Satisfied customer so far. The higher the plan the more coverage, so u get what u pay for. Only complaint of mine is that it takes a few weeks to get a claim check mailed to u and when u pay your 20% of surgery costs, u don't get reimbursed any. I would still recommend them though.
5

out of 5

POSTED: | BY: henry

Great Service

You can't ask for more than Embrace for canine Ins.I been with them going on 3 years and they have exceptional.
5

out of 5

POSTED: | BY: Marie

Excellent customer service

Our first claim required the vet to submit the prior year's health history, which I didn't expect. However, the claim was handled quickly and my emails were answered to explain the process. I'm very pleased with the coverage, payment and excellent customer service.
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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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