Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Samantha

I'd recommend Embrace

I have only had to file a claim a few times but it has been very easy and I have received my explanation very quickly. They are always thorough with their explanation and I have the money in my account within a few days.
5

out of 5

POSTED: | BY: Lulu

Great service so far....

Great service so far... Our little girl fell off her cat tree and hurt her leg and unfortunately needs surgery, they have been very helpful with everything. Very timely manor on paying their claims. Highly recommended
5

out of 5

POSTED: | BY: Graciela

Great

I'm very happy with Embrace, the claim they review very fast and help you and the phone so nice
5

out of 5

POSTED: | BY: Stephanie

Definitely Worth it!

Embrace was a great decision. My dog Finnegan was recently switched to Interceptor and has had bad reactions - persistent vomiting, etc. This lead to multiple x-rays, nausea medicine, and visits. The costs really add up. Embrace has covered everything and makes it super easy to submit claims and reimburse you quickly!
5

out of 5

POSTED: | BY: Robin

General comment

I have had Embrace insurance for my dog for about almost 2 years, and unfortunately, have had to submit several claims, but each and every one of them were handled quickly and professionally. In addition, there was an issue with a determination by the company based on medical records provided for my dog, and after bringing the issue to their attention, they revised the determination of coverage, which was greatly appreciated, and the right thing to do. Thank you for great service!
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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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