Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Layla

Claim decision reversed - thank you.

Thank you for reversing your decision as regards my claim for Layla Kootenai on 8/17. I appreciate it and am now a happy customer and feel good about Embrace.I want to feel good about my Layla's insurer - really. I can now recommend Embrace to other pet owners. Thank you for resolving this so quickly as well.
5

out of 5

POSTED: | BY: Janet

So glad to have Embrace!

My 2-year-old Cane Corso, Bella Star, has epilepsy and needs medication daily to control her seizures. Embrace covered her medication and processed my claim promptly and accurately. Having Embrace Pet Insurance gives me peace of mind. Thank you, Embrace!
5

out of 5

POSTED: | BY: SHERYL

THE BEST CARE YOU CAN GIVE TO YOUR PET

I HAVE HAD EMBRACE INSURANCE FOR MY AFGHAN HOUND FOR 5 YEARS. I HAVE PIECE OF MIND THAT FOR ANY MEDICAL ISSUE, EMBRACE WILL BE THERE. I USE THE WELLNESS BENEFIT EACH YEAR FOR ALL HER VACINATIONS, FLEA AND TICK, AND HEART WORM MEDS. WHAT IS SO IIMPRESSIVE IS THAT THE COMPANY KEEPS YOU INFORMED REGARDING THE PROGRESS OF A CLAIM, I.E., WHEN THEY RECEIVED A CLAIM, WHEN IT IS APPROVED, AND WHEN THE REIMBURSEMENT IS MAILED. THEIR WEBSITE IS ALWAYS UP-TO-DATE SO YOU CAN ALWAYS SEE THE STATUS OF A CLAIM. THEIR REIMBURSEMENT TIME IS SURPRISINGLING FAST. GREAT COMPANY, I WOULD NEVER CONSIDER ANY OTHER INSURANCE FOR MY DOG. IF ANYTHING SHOULD HAPPEN TO HER, I KNOW EMBRANCE WILL BE THERE.
5

out of 5

POSTED: | BY: Ivia

So grateful!

I've had insurance for my dog who was always health for 7 years and was always happy that I never had to use... until now... Our dog got sick and we found out that she has cancer. That was a big shock, and so was the bill and the treatment she is undergoing now. We are so grateful and happy with our insurance. I researched a lot before I chose Embrace, read so many reviews and now that we are using it I have no complains at all. Every time I call with a question I get helped in the best way. Very happy with Embrace!
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.
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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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