Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Sam

Amazing and a need for any pet parent

I've been using Embrace for about 6 months and I can't think of anything negative about the experiences I've had. I wish human insurance were this easy! I have three dogs ensured with them and one needed both knees fixed. They've been so helpful in making sure that I had everything I needed to get the reimbursement check right away. Their claims processing takes about a week and you can have the check mailed or direct deposited into an account. Their pricing and fee schedule is upfront with no surprises. I work in insurance and wish my company worked like this! Love it. The pricing is very reasonable and easily customized to each dog on policy. I love the wellness rewards aspect of the insurance too. Makes it easy to take care of my dogs. Their phone reps are all so nice and friendly and it doesn't sound fake or scripted. They seem to genuinely care. I wonder if they can bring their dogs to work....
5

out of 5

POSTED: | BY: Ingrid

Embrace's wellness rewards are great!

Embrace offers what they call "wellness rewards" - essentially a health savings account for dogs. I added this to my policy on Monday, took my dog to the vet on Tuesday for some vaccinations, and on Thursday they mailed me a check for the full amount I paid the vet -- including his nail trim and heart-worm preventative. I couldn't be more pleased!
5

out of 5

POSTED: | BY: Erin Beever

The best customer service!

Embrace has been nothing but helpful in the last couple months since I started my plan! Very friendly and quick responses. I work at a pet store and I always recommend Embrace to pet owners looking for insurance.
5

out of 5

POSTED: | BY: Julia Tilley

Fantastic

Since switching to Embrace, I have been amazed at their efficiency and speed in processing claims. They keep me informed every step of the way. Their personnel are courteous and knowledgeable. "JJ" and "Jasmine" are happy to be clients.
5

out of 5

POSTED: | BY: Emily

Embrace makes life easier

We were beyond thrilled and thankful to have embrace pet insurance when our 3 year old lab mix tore his ACL and needed surgery. Embrace made it easy to receive coverage thanks to the orthopedic report card they offer that our vet was able to simply fill out after examining storm during one of his regular check ups
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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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