Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Bill Jacot

Fantastic Service!

Embrace is the best pet insurance I have had. We adopted two English Bulldogs, a male and a female. The male is fine. But the female has had a series of difficulties with her eyes and skin allergies. Embrace has been responsive and fast in approving her vet bills. The last pet insurance company I worked with was terrible. They took forever to pay a claim; they questioned legitimate vet bills; they did not pay for many normally covered conditions. Embrace does what it say it will! What you see is what you get!
5

out of 5

POSTED: | BY: Leah

Excellent customer service and transparent policy

I highly recommend Embrace. The claim process is easy, and they are always very efficient in responding back. The policy rules are very clear, as well.
5

out of 5

POSTED: | BY: Carrin Goldstein

Love this company!

I have had two pups insured with Embrace since I adopted them 5 and 7 years ago. We've had everything from Giardia to torn ACL surgery to root canals! The last two just in the past year...well over $6,000 in vet bills and while not all of the expenses have been covered, the bulk of the cost has been and it's really nice to get that $$ back. Everyone I've dealt with at Embrace has been courteous, professional, has responded promptly and claims are paid quickly. I couldn't ask for more.
1

out of 5

POSTED: | BY: Corbet Clark

Slow to process!!!!

My labrador had an accident at the trainer's that required emergency surgery. It took almost 6 weeks for my claim to be processed! First it was denied because Embrace put the wrong date on claim. Second, they requested her medical history from the wrong fax number. When I called to correct the problem they wouldn't allow me to send them the records.
5

out of 5

POSTED: | BY: Beata Everett

Great claims process

This year our dog has had several health issues and he has needed to see several different specialists. Embrace has been paying out claims for each visit once we met our deductible.
Please leave a review

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.
Provider website

Get a quote today

Leave a review