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: Sabrina

I have had the very best experience possible

My 8 year old female papillon, Ava, lost hind limb control due a ruptured disc. She has been my service animal & my life line for 8 years and I was devastated by the news. Fortunately, I had a credit card reserved for her in the event of emergencies & I had Embrace Pet Insurance, & those 2 things were what brought me comfort on the worst day ever because I could say to the surgeons "do whatever you need to do to make her better," and trust that Embrace would be there for us in the end, and they were. When the results of the claim came back (in less than 2 weeks) they covered everything I hoped and prayed that they would and I can now truly relax and focus on my baby's recovery. I am beyond grateful to Embrace Insurance and all that did. I especially appreciate their customer support and compassion for Ava - everyone I talked to only cared about how she was doing and recovering. They have been a Godsend to me at the most difficult time and I couldn't ask for more from an insurance company.
5

out of 5

POSTED: | BY: Karen

If Only Embrace Offered Human Medical Insurance

We would sign up the entire family!Policy guidelines are simple and straightforward. Embrace customer service are professional & polite. We chose Embrace upon receiving our 8 wk old/Yorkie, electing to take advantage of both the Wellness and Medical coverage programs. Though I was skeptical at first, one of the Embrace agents 'strongly suggested' that we have our puppy 'pre-authorized' with his medical history. Great advice and we did it! Now he is 6 months and has been already treated for gastritis & fire ant bites. Embrace Policy has more than paid for the premium.
5

out of 5

POSTED: | BY: Lorraine

Security with Embrace

After the expense & heartbreak with our last cat, we decided to buy pet insurance. We researched so many and thought Embrace sounded the best. I just submitted my first wellness claim & I'll be getting a check for the entire cost. It makes it easier knowing that if something should happen when she gets older, she's covered.
5

out of 5

POSTED: | BY: Malissa

Excellent Customer Service

The best insurance company...attentive and super efficient.
5

out of 5

POSTED: | BY: Christophe

Embrace is just great

I have been a customer for years. We have a multipoo who has been healthy so I really never used Embrace beside through the its wellness reimbursement program.But our little girl started to have kidney and back problems so the veterinarian bills started to appear. Embrace has been wonderful. Bills have been reimbursed in no time. Any contact to their customer service has been handled very fast and efficiently. I know now that I made the right choice when I switched to them years ago.
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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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