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: Paige K

Easy to work with!

I've had such an easy time working with Embrace. They're easy to get ahold of, & it's easy to submit a claim. The only reason it took over 3 weeks to process my claim was because I was missing paperwork. I got ahold of a very friendly Embrace employee named Peter & he was able to tell me exactly what paperwork I needed to submit. I easily uploaded the paperwork, saw that it cleared, & very shortly after saw that my claim was processed. Thanks for your help, Embrace!
5

out of 5

POSTED: | BY: Sam Klaburner

Buy this insurance it has helped us

My vet recommended this insurance plan and I was not sure about whether to buy it or not. I did and it has been a pleasant experience and prompt payment of items covered. I didn't think we would need this insurance and it turned out we did and it has totally paid off. I have mentioned this company to my vet and the emergency vet to spread the word to other pet owners. I never write reviews but thought I would give a thumbs up to buy pet insurance from Embrace.
5

out of 5

POSTED: | BY: carol mondschein

Infected Nail

Our black lab, split his nail and it became infected. Embrace is always so supportive of our claims. I highly recommend them to every pet owner!
5

out of 5

POSTED: | BY: Tracy

Easy to work with

We had Embrace for about 15 months, toward the end of our two dogs' lives. I was concerned that their climbing medical bills would be an issue, but Embrace treated us very fairly, paid claims quickly and offered clear explanations of benefits and coverage tracking. I am very grateful for their ease of doing business while we were trying to deal with stressful medical issues and bills coming from all directions.
5

out of 5

POSTED: | BY: Dan Giustino

Outstanding Customer and Pet Owner Service.

I have had a very positive experience with the Embrace Team on many medical challenges for my golden retriever over the last three months. The representatives have all been very professional and responsive and clearly demonstrate a commitment to excellent customer care and service. Dan and Linda Giustino
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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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