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: M

Excellent Customer Service

I have been an Embrace customer for a few years now and they have always provided excellent customer service when I have needed to call and when processing claims which hasbeen within two weeks. Excellent product and excellent customer service, makes me a happy customer.
5

out of 5

POSTED: | BY: G

Amazing!

Awesome insurance for my dog Jack. Quick turnaround for my claim and offer direct deposit for your refund. Wouldn't change to any other insurance. Thanks Embrace!
5

out of 5

POSTED: | BY: Kirsti

Good and fast

Turned in claim and received it was accepted way faster than I thought.
5

out of 5

POSTED: | BY: Alissa

Great experience

Claims staff are prompt in responding and really friendly. Claims process is easy.
5

out of 5

POSTED: | BY: Suzanne

Embrace is worth it!

Our Great Dane, Dash, had a skin mass on his abdomen which was removed during his neuter and gastopexy. After my experiencing difficulty with our previous pet insurance company (VPI), I fully expected Embrace to only cover a very small amount of the skin mass removal, because it was in conjunction with another procedure. However, Embrace covered the full cost of the skin mass removal, and I was pleasantly surprised!
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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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