Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Samuel

Very helpful and great customer service

Don't was hit and ended up with a broken leg. The process for the claim took awhile but eventually got settled out. Overall very happy with the service.
5

out of 5

POSTED: | BY: Judy Quillin

Embrace is great

Embrace is quick, reasonably priced and simplifies the procedure for the client and the veterinary office. I've received wonderful service over a decade with two dogs.
5

out of 5

POSTED: | BY: Wendy

Peace of mind

This pet insurance is absolutely the best! Every claim I have filed has been taken care of in 2 weeks or less. My dogs are like children to me and theirs needs are important to me. I have peace of mind with having this insurance that I can give them the care at the vets office they need without breaking the bank. Other insurance company's can't compare to embrace they are friendly, helpful when you call and speedy process of claims. Simply the best!!!
5

out of 5

POSTED: | BY: Robin Strickland

Glad I got Embrace

I adopted Gus at 6 weeks old and because of the circumstances of where he came from I decided to get pet insurance and I'm glad I did! My vet recommended Embrace because they had never had a problem with them and they had good feedback from patients. I got both the wellness policy and hospital policy. Recently Gus developed spasms and my vet has referred him to the veterinary school at UC Davis for diagnosis Embrace is very easy to work with. Their customer service is great. whenever I've called they have been very helpful and really care about their clients. Very nice to work with. They even follow up by email to make sure I've received my reimbursements.
5

out of 5

POSTED: | BY: Lynda Sergeant

Great service!

Submitted my first wellness claim for my border collie. The staff was so nice and answered questions that I had regarding the claim. Thankfully, this was just a wellness claim but I have no doubt they will be just as helpful if I have an accident or illness claim in the future.
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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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