Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Kiley

Convenient and quick

Nobody wants to need pet insurance but its so vitally important when you do need it. My 4 year old sphynx developed anorexia and dehydration suddenly and needed 3 days in emergency vet care with IV fluids and antibiotics. Having embrace gave me the confidence I needed to get my cat the very best care without worrying too much about the impact it would have on our family financially. Embrace was quick to start my claim and update me that the claim had been received. The website is easy to navigate and check up on claim status. The claim was completed quickly- I was amazed how fast they were able to assist me. Once the claim was completed they were able to direct deposit the money into my account which was so convenient and quick. I am happy with Embrace. Coverage is good. Service is fast. They are good communicators. Their website makes everything easy.
5

out of 5

POSTED: | BY: Leanne

Embrace is the best!

Quick service/turn around time.
5

out of 5

POSTED: | BY: Kim

Always a breeze, and better coverage!

We have had Embrace for almost 7 years, through multiple toxin ingestions and other accidents and illnesses. Always a breeze to submit claims and get reimbursed. In the end, given that we just went a few years without a claim before this set, we may not be really saving any money overall, but I am happy to have the insurance. I know that when something happens, I can confidently get my dog treated without agonizing about how much it is going to cost. The reimbursement rate always impresses every vet I tell...
5

out of 5

POSTED: | BY: Kelli

A-Plus Service

Our two year-old Newfoundland had an ear infection. I've had several claims and all have been processed very quickly. I had a question on one claim and emailed my question. The response was the next day and my question was answered perfectly. I have recommended Embrace to several people. Everyone is super nice to deal with and I am so glad I picked Embrace!
5

out of 5

POSTED: | BY: Nathan

Such a cliche, my dog ate chocolate!

After our dog Willow ripped open a Christmas gift which just happened to be chocolate, we had to take her to the ER vet where she spent the night and is great now. Embrace was very responsive with the process, although they were a little slow with the payment. They were very understanding and responsive when I called to check on the update, and apologized for the delay. I understand it happened right around Christmas/New Year so I will give them the benefit of the doubt. They wound up paying about half the cost, and I have no problem with that. Definitely will keep using Embrace, just please no more chocolate as gifts!
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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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