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: Anil

LOVE LOVE LOVE Embrace!!!

I have had Embrace on our Mastiff for the last 4 years. Unfortunately he has been plagued with a number of chronic illnesses. Embrace has always been there reimbursing our claims with no issues at all. They are fast and SUPER friendly. We just added our new dog to our policy, fingers crossed we don't have to use the insurance.
5

out of 5

POSTED: | BY: Susan

Thank goodness for Embrace!

I have had Embrace insurance for many years for my Scottie, and thankfully, I haven't had to use it. Now, sadly, we do, and during these tough times, Embrace is doing a wonderful job of communication; rapid claim assessment and payment; and friendly and supportive customer service.
5

out of 5

POSTED: | BY: Andrea

Customer Service

Customer service was outstanding. Pet Insurance representatives were very pleasant to talk with.
5

out of 5

POSTED: | BY: Carolyn

Best Pet Insurance

I have been amazed at the efficiency and and service standards of Embrace. All of my claims have been handled in a timely manner. Communication with the company has been courteous and professional. I've told everyone about Embrace; our veterinarian asked me for information about Embrace so she could pass that on to other patients inquiring about pet insurance; "Always good to have a first hand testimonial", she said. I am so glad I chose Embrace for my girl!
5

out of 5

POSTED: | BY: Debbi

THANK YOU, EMBRACE!

I have been an Embrace customer since 2014 and am the proud mother/owner of two amazing Golden Retriever brothers. My boys (9-year old littermates) were diagnosed with cancer (different types) last year. One completed cancer treatment (surgery + chemotherapy) last November, and the other one is currently going through treatment (oral medication + chemotherapy). This journey has had its share of highs and lows, but I can certainly tell you that one of the highs has been having Embrace pet insurance to substantially help with the financial costs associated with treatment for my dogs. The process for submitting insurance claims is very straightforward, and the Embrace team is incredibly prompt with reviewing/processing claims and mailing refund checks. I am grateful for each good day with my pups, as well as for the incredible pet insurance provided by 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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