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: Aleta

Friendly customer service and easy-to-use website

So far, we've just used the Wellness claims for our 4 dogs. Every time I've phoned customer service with a question, the staff have been super nice and helpful. I always got my questions answered without feeling like I was bothering someone or taking too much time. We are really pleased that we chose Embrace, and we recommend you to others whenever the subject arises. Good job, everyone!
1

out of 5

POSTED: | BY: Matt

In a word TERRIBLE

My Vet just confirmed that your refusal to pay my insurance claim was inexcusable and there's no justification for it. My dog's incontinence 3 years ago has nothing to do with her developing a UTI. I will share this review in every social media avenue I have access to.
5

out of 5

POSTED: | BY: Irma

This is the most important and best decisions made

I've had my dogs covered by embrace for many years . I couldn't be more pleased with the efficiency of the companies staff. Informed, professionals and friendly. I never have to jump through hoops. Embrace holds to their commitment to my animals. I feel like they are part of my family. Working together with me has actually saved one of the lives of one of my dogs. I refer Embrace every time I see someone with a pet who engages me in conversation. No regrets here. Embracecis the best. My dogs are in pristine hands.
5

out of 5

POSTED: | BY: Eric

Thank you

I had two English Bulldogs and thanks to Embrace, they both were able to live until 11. They both had tons of medical issues from age 6 (as many bulldogs usually do), and I'm so thankful for Embrace to be able to give our pets the best medical attention. Claim process is easy and smooth. I know exactly when they receive claims from my vet, if the claim is still in review, and when the claim has been closed.
5

out of 5

POSTED: | BY: Debbie

Embrace is a blessing

Our girl tore her ACL and needed surgery. The final cost of the vet bill came to over $2300.00. Embrace paid $1800 in a fast timely manner. I am telling all of my friends who are pet parents to join Embrace. They made it easy to submit claims, paid quickly and it was deposited right into my checking account. 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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