Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kate Coolidge

Embrace Has Been Good To Me and My 7 pets

I really can't say enough about what a wonderful company Embrace is. Everytime I've called I have spoken with the kindest, most compassionate representatives who are so sincere . I love how Embrace communicates as well. The company always updates and follows up on claims in a very prompt manner. They have never turned down a claim I've had and pay the claim very quickly. I will never go with another company.
5

out of 5

POSTED: | BY: Stacy

Feels like working with a friend!

I have to say that the overall experience with Embrace is like working with a friend. Everyone that I have spoke or emailed to was friendly and very helpful! Processing claims were super easy and were paid out fast. I totally recommend embrace to everyone who loves their pets and what only the best for them!!
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 Whaul

claim handled

The claimed was handled quickly and refund sent.
5

out of 5

POSTED: | BY: Keith C

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!

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 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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