Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Lynne

So happy I chose Embrace

I have ensured both my dogs for the past year, and am so glad I chose Embrace. Both my dogs had serious and unexpected medical issues during this time, one with a torn knee (CCL) and the other most recently with cellulitis (severe swelling, inflammation and infection) of his throat. Embrace made it easy for us to make the best choice possible for the well-being of our precious boys. I was very impressed and pleased with their prompt response, reimbursements, and always with excellent customer service. I highly recommend this company to everyone I know.
5

out of 5

POSTED: | BY: Lynda

So Helpful

It's reassuring to know that having this insurance will help me when my dog needs it. Wouldn't be without ever again! Thanks so much!
5

out of 5

POSTED: | BY: Patricia Diolazo

100% ABOVE AND BEYOND AWESOME!!!

We never had pet insurance before, Embrace staff helped us all the way through the process graciously! Everyone we've been in contact with has been very understanding and extremely compassionate. The claims are handled fast and with the direct deposit - WOW! My new girls are rescues and were quite neglected and very sick - now they're happy, healthy little monsters! THANK YOU!!!!!!
5

out of 5

POSTED: | BY: Amy Davis

WOW!! Very impressed!

I just submitted my first claim less than a week ago. Just received an email that my claim was received, approved and a check issued. I appreciate the ease of filing a claim and the simple process. Much easier than human insurance!! Thanks Embrace!
5

out of 5

POSTED: | BY: Robert Kahn

Transparent, honest and no baloney

Came around to Embrace when my dog was already a senior, and wish I'd found them sooner. Now in second year of policy on my 11-year-old lab, and after several transactions I can definitively say they are an excellent company. I like that I had a list in hand of excluded pre-existing conditions when we started, and I like that they've kept their word about coverage without some of the shenanigans other companies have trotted out. Thought their annual premium increase was reasonable, and they are always fast to respond to questions. Best of all, I don't get e-mails about how they're delaying a claim pending additional paperwork. More pet insurance companies should follow their lead.
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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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