Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Stephanie

Embrace is Awesome

I did a lot of research and Embrace seemed to be the best of the many options in regards to coverage and rates. I really have enjoyed Embrace- they are really fast in general about processing my claims and it is so nice to know that I had coverage when my cat got a wound from a cat fight (he is an outdoor cat which is why insurance is a must for me). Their customer service is awesome too- very nice people who care. The only downside is that with my vet I have to pay out of pocket first and then get reimbursed by Embrace- I wish there was a way to have Embrace instantly cover what they can and leave me only responsible for the difference when I take my pet to the vet.
5

out of 5

POSTED: | BY: Rachael

Great Customer Service

Enrolling my dog with Embrace has been one of the best pet-related decisions I've made. When I enrolled my dog she was 10 years old and had a pre-existing thyroid condition. While Embrace doesn't cover anything related to that, they've been great about covering all of the other injuries and illnesses (of which there have been many) that my dog and I have encountered. Embrace has the best customer service of any company I've ever interacted with. Every time I call I speak to someone who is empathetic, helpful, and knowledgeable. Embrace deals with my claim usually within 3 weeks and when I receive reimbursement it direct deposits into my bank account within 2 days. I find that the peace of mind and coverage that I receive from my Embrace policy is worth the montly cost I pay for sure.
5

out of 5

POSTED: | BY: Christine

Grateful I got Embrace!

I got Embrace Pet Insurance to cover my dog Snow when I got hin8 months. I am so pleased with their efficiency and prompt response so much so that I added my second pet Sugar 7 months later. And as expected I got reimbursed for my second pet' Sugar wellness claim right away. I recommended Embrace to my fur parents colleagues. Thanks Embrace!
5

out of 5

POSTED: | BY: Pam

I love Embrace!

I've been with Embrace for a few years now. Every single encounter I have had with this company has been positive. Claims are handled quickly and fairly. Customer service is outstanding.
5

out of 5

POSTED: | BY: Lisa

piece of mind

our 1 year labrador puppy has had several issues including a recent arthroscopic surgery for bilateral elbow dysplasia. Embrace had been wonderful about covering her medical bills. The entire process is easy and quick! I would highly recommend 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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