Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Golden

Professional process and easy to use!

First claim processed quickly. Process was straitforward and easy to follow. Nice to work with a company that does what they say they are going to do - without any hassles!
5

out of 5

POSTED: | BY: Linda

Protection

Peace of mind knowing that my dog is covered should anything happen. Wellness plan also helps to cover many expenses like microchip, spaying , obedience training and vet services
5

out of 5

POSTED: | BY: Samme

Most Excellent!!!

Embrace is a wonderful wonderful pet insurance company and more. The staff is super and claims are handled quickly and without a hassle. I use to show dogs in the UKC, AKC and International arenas , I had many friends with Embrace insurance and I never heard a single complaint. I strong recommend Embrace. Accidents and illness can strike any pet, but if you have giant breeds you are going to have giant bills if anything should happen. Our mastiff need surgery, two merely plates and 15 screws in his right hind leg and our Porty broke his hind leg in daycare. Sooooo glad we had Embrace Insurance. Everything was taken care and flowed as smooth as silk. THANKS TO ALL THE KIND AND CARING FOLKS AT E.I.Samantha L. P.S. ROARY and MIKEY SAY THANK YOU TWO! 🐾🐾
5

out of 5

POSTED: | BY: Elaine

Great company

I have been very pleased with Embrace. Our Golden Retriever has gotten an injury and a severe illness since we had this insurance and Embrace has been great! No questions asked and checks are sent within a week. The claim forms are easy to print out and are already populated with our dog's name and ID. We just hand it to the receptionist and our part is done! (Except for paying the bill upfront but if you know that check is coming from Embrace it all feels OK)
5

out of 5

POSTED: | BY: Happy

Fantastic service and great insurance!

WIth this final payment, I maxed out my $10,000 for the year with my lovely almost 9 year old Bernese Mt. Dog who has had many joint problems and now is fighting histiocytic sarcoma. I couldn't have done it without the insurance. All of my many vets (including oncologist, surgeon, physical rehab, acupuncturist) have found Embrace to be very easy and user friendly. I have gotten reimbursement back within a few weeks, and everyone I have spoken to has been beyond helpful and pleasant. I have recommended Embrace to many people as I travel around doing pet therapy. I certainly can't complain about getting $10,000 in reimbursements over the past 6 months. Thank you Embrace!
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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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