Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Gloria Parry

reliable and fair

My wire fox terrier Annabella has had coverage with Embrace since she was a puppy. She is almost 4 now and I would not be without This insurance company. They respond to you as needed, real people to talk to , fair and courteous- very helpful.
5

out of 5

POSTED: | BY: Courtney Dosch

Amazing

Embrace and their entire staff have been amazing! They are very friendly and answer any questions. They've been great to my dog.
5

out of 5

POSTED: | BY: Jess

Quick and convenient claim coverage

Embrace has, as usual, surpassed my expectations with another easy claim processing experience.
5

out of 5

POSTED: | BY: Atul Agarwal

no hassle claim processing

Our experience with Embrace has been, excellent! Contrary to the general belief about insurance providers, Embrace staff has been very helpful and did not look for reasons to decline our claim or reduce the claim amount. All the terms and conditions were clearly stated upfront while issuing the policy and advice was also provided to reduce any risks and obtain wider coverage.
5

out of 5

POSTED: | BY: Stacy S

Great customer service!

I am a first time pet owner and using Embrace was a relatively easy process for me when my dog had an emergency visit resulting in a couple costly procedures. I am extremely satisfied with how timely my claim was processed after I gave followup information.
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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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