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: Vicki

Great experience with Embrace

My dog ruptured a ligament in his knee and had to have surgery to correct the conditions. The surgery was done quickly so I didn't have time to consult with Embrace prior to it. My vet submitted the claims and Embrace quickly reviewed and sent me reimbursement checks before the payment was due on my credit card. The offer a great website to check claim status and their customer service was outstanding and prompt.
5

out of 5

POSTED: | BY: Lindsey

Embrace Review

I have been a member with Embrace for almost 6 years. The process for submitting claims and receiving reimbursement has been 100% hassle free and timely. I highly recommend Embrace to dog owners who are looking for a good pet insurance company that is trustworthy and reliable.
5

out of 5

POSTED: | BY: Ron

Emergency Claim

Embrace has a speedy claim process and if I have any questions regarding claims, pre-approval process they have always been willing to help.
5

out of 5

POSTED: | BY: Jen

Trusted

I've had Embrace since I got my rescue dogs almost 6 years ago and I'm so glad I did, because one especially has really needed insurance - two bouts of cancer and almost died from pancreatitis. Embrace is pretty affordable, has reimbursed me for a lot of her care, and they are really friendly and helpful to engage with - good online systems and responsive people when you need them.
5

out of 5

POSTED: | BY: PHil

Embrace is he best--plain and simple.

Customer service is top-notch, I've never had to wait more than a couple minutes to speak to a person, and they're always very personable and willing to help!
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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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