Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Danell

Excellence Pet Insurance

I'm very satisfied with Embrace. There customer service reps are very helpful and their turnaround time on claims is outstanding. The wellness program is great because I use supplements vs prescription medications from the vets and this is also covered. I would recommend the any day.
5

out of 5

POSTED: | BY: Joann

I couldn't be happier

My beloved 11 year old Standard Poodle, Merlin suddenly developed a melanoma on his gum which required extensive immediate surgery and follow up vaccines. I am retired and live on a comfortable but fixed income. If it weren't for Embrace I would be in a financial pickle right now. Instead, I do have Embrace Pet Insurance and I am happy to say they paid 80% of the over $7,000 vet bill. They were helpful when I called to inquire about coverage and the claims were processed and my checks received in a very reasonable amount of time. Thank you Embrace. Merlin has recovered from the surgery and is thriving, happy and once again healthy.
5

out of 5

POSTED: | BY: Bill

Fantastic Service!

Embrace is the best pet insurance I have had. We adopted two English Bulldogs, a male and a female. The male is fine. But the female has had a series of difficulties with her eyes and skin allergies. Embrace has been responsive and fast in approving her vet bills. The last pet insurance company I worked with was terrible. They took forever to pay a claim; they questioned legitimate vet bills; they did not pay for many normally covered conditions. Embrace does what it say it will! What you see is what you get!
5

out of 5

POSTED: | BY: Leah

Excellent customer service and transparent policy

I highly recommend Embrace. The claim process is easy, and they are always very efficient in responding back. The policy rules are very clear, as well.
5

out of 5

POSTED: | BY: Carrin

Love this company!

I have had two pups insured with Embrace since I adopted them 5 and 7 years ago. We've had everything from Giardia to torn ACL surgery to root canals! The last two just in the past year...well over $6,000 in vet bills and while not all of the expenses have been covered, the bulk of the cost has been and it's really nice to get that $$ back. Everyone I've dealt with at Embrace has been courteous, professional, has responded promptly and claims are paid quickly. I couldn't ask for more.

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 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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