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: Stephanie

Embrace is fantastic!

I could not have imagined a better experience with a pet insurance company. Their customer service is fantastic; easy to reach via phone and prompt processing of claims. I highly recommend this Pet Insurance to all of my friends and family.
4

out of 5

POSTED: | BY: Chris

claim handled

The claimed was handled quickly and refund sent.
5

out of 5

POSTED: | BY: Keith

Excellent Insurance Coverage!

My dog was not eating and lethargic. We took him in and they ran a battery of tests including some for cancer. Finally, through ultra-sound they found blood clots at the spleen and liver. Medicine was prescribed and after a couple of months, another ultra-sound was performed and both clots had been absorbed by his system and others did not form. During the visit for the second ultra-sound I pointed out a limp he had and they found a torn ligament. The Dr. Expressed that my dog was not a good candidate for surgery and recommended a brace instead. I'm happy to report that all of these visits, procedures, medications, and leg brace were covered under the Embrace Insurance Plan! Outstanding service!
5

out of 5

POSTED: | BY: Amy

Great customer service, fast reimbursement!

Embrace is wonderful. Anytime I have questions, their customer service is the best. They are so easy to work with! Also, once a claim is submitted I receive payment within a couple days. I am so thankful that I chose Embrace!
5

out of 5

POSTED: | BY: Nancy

reliable and professional company

I haven't had pet insurance before, but this company exceeded my expectations. They are timely and thorough. I would recommend them to any pet owner. I wish people insurance was so responsive!
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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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