Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Emily

Embrace makes life easier

We were beyond thrilled and thankful to have embrace pet insurance when our 3 year old lab mix tore his ACL and needed surgery. Embrace made it easy to receive coverage thanks to the orthopedic report card they offer that our vet was able to simply fill out after examining storm during one of his regular check ups
5

out of 5

POSTED: | BY: Lisa

A Springier Springer!

My springer spaniel kept getting UTIs and after quite a few trips to the vet, it was decided that she needed a vulvoplasty (elimination of extra skin folds around the girly parts!) I called Embrace to make sure this was covered and they assured me that it was no problem. My dog had surgery last Thursday and I have already received notice less than a week later that the claim has been processed and a check is on it's way! Happy Springer- Happy Momma! My dog has been Embraced for her entire 5 years and Embrace has been consistently fantastic. I honestly mean it - if you are considering them, you will not be disappointed. Fast and extremely friendly people. I love them.
5

out of 5

POSTED: | BY: Jennifer

Great service!

Great customer service is critical to me and I've experienced only that with Embrace. I've had a number of claims lately for our dog and all have been processed in a timely manner with accuracy. I've had pets my entire life but this is the first time I've taken out a health insurance policy for one, as I've always heard you get pushback on paying out claims and nothing is covered, etc. I couldn't find that further from the truth with my experience with Embrace! Keep it up!
5

out of 5

POSTED: | BY: Allie

Worth every penny!

Embrace continues to provide comprehensive, no questions asked care for ongoing/chronic medical conditions. I'm consistently amazed at how quickly the claims are processed.
5

out of 5

POSTED: | BY: Alexandra

Great Insurance & Customer Service

Wonderful insurance coverage options. Ability to speak with a human is great. Follow through on claims and service by Embrace staff is thorough.
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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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