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: 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 Stroud

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!
5

out of 5

POSTED: | BY: Steve D

A+ for Embrace

I've had pet insurance with three other carriers and Embrace is by far the best. Very affordable premiums with great coverage terms. Unfortunately, we had to utilize the insurance when our dog was diagnosed with cancer. Everything was covered by Embrace with no hassles and handled in a timely and professional manner.
5

out of 5

POSTED: | BY: Lisa

Excellent!!

We have both Welllness and Emergency insurance. We haven't had to use the emergent care, but wellness has been so fast in turning around the checks! Also, it's super easy to email the claims.
5

out of 5

POSTED: | BY: Veronica Getchell

Very pleased with handling of my first claim

Embrace responded immediately when they received the information and claim from my vets. I had a check within 2 weeks or less.
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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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