Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Barb

Excellent!

I have had an Embrace policy for many years for my LuLu. This was the first year that I actually made a claim since she required surgery. I am very pleased with the customer service staff in answering questions and providing followup. I selected Embrace many years ago since they covered both conventional as well as holistic treatment.
5

out of 5

POSTED: | BY: Kodiak

Relief!

On a recent Thursday we were awoken by our 6 month old lab who had woken us getting sick and unable to walk. We immediately went to the emergency animal clinic. I did not think twice about it because we love our pet but we also have Embrace Insurance. The submission of a claim was easy and the waiting time for a decision was reasonable (and favorable!)
5

out of 5

POSTED: | BY: Fran

Pleasant and Professional

We have 2 dogs and have been with Embrace for 7 1/2 years. They are very efficient, professional, and prompt with responding and processing our claims.
5

out of 5

POSTED: | BY: Heather

Embrace is the help we need!

I never knew you could have insurance for dogs until our vet told us about Embrace. We decided to try it out with our new pup and we love how easy it is to make claims and get reimbursed. I also am very pleased with how affordable Embeace is. Thanks so much for all you do for my fur baby!
5

out of 5

POSTED: | BY: Gayle

Superior Coverage and Service

Over the 6 years I have had Embrace insurance for my Leonberger, they have consistently provided great insurance coverage and service - including the most recent reimbursement of over $600 for removal of a couple of masses (thankfully not cancer). Embrace processes claims and reimbursements very quickly. Thanks 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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