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: Shasta's mom

Quick claim payments!

I love how quick the claim payments happen! That means everything when you have large costs associated with a diabetic dog! 🐶 Love the direct deposit option right into my bank account as soon as the claim is approved!
5

out of 5

POSTED: | BY: Patty Dreier

Very Pleased with Embrace

Thus far my experience with Embrace has been exceptional.They pay claims in a timely manner and have taken care of everything we have asked about. I would highly recommend Embrace to everyone.
5

out of 5

POSTED: | BY: Lynne V

Best decision a pet owner can make

Before our Standard Poodle, Dexter, came to live with us, we never considered pet insurance. But, I knew that we would beg/borrow/steal to make sure he had every medical treatment that he may require, so I did quite a bit of research on pet insurance and chose Embrace. I had every intention of paying the premiums and never making a claim. At 5 years old, Dexter tore his right ACL and required TTA surgery (approximately $4,000). We paid the bill, submitted the claim and crossed our fingers. It was paid quickly, as well as every other covered claim for therapy, follow-up visits, etc. Almost exactly one year later, Dexter tore his left ACL. Same Embrace experience - complete coverage determined and paid quickly. I can't say how much this helped us get through a tough time with our furry companion. I tell everyone about Embrace, and will never be without it again.
5

out of 5

POSTED: | BY: Krissy

Beyond my expectations

After my last dog developed allergies and then died of cancer, I was stuck with a large amount of debt that I am still paying back. My pets are my children and I would do anything for them. So when we got our new puppy, we decided to look into pet insurance. After comparing the different companies rates, coverage, and reviews we decided on Embrace. This was the best decision we could have made. Our monthly payment is reasonable and it is easy to access the insurance forms to give to our veterinarian. After some initial paperwork, all of our claims have been paid quickly. Embrace also emails us every time they receive a claim or send us a check. We plan on continuing to insure our dog with Embrace, and will be adding our new puppy to our policy once he is born.
5

out of 5

POSTED: | BY: Candee Silveria

The quickest claim service ever!

I recently added Wellness Rewards to my dogs' policies, and had to submit a claim for dental work that exceeded my budget. Embrace claims department got on it immediately, sending out a check in about a week, which will go to pay the balance owed to my wonderful vet. I have been with Embrace for four years now, and had to claim once before. They are truly super to work with, and I have nothing but praise and thanks for their caring and turnaround time on my claims. That is so helpful for a senior on fixed income! Thank you, Embrace.

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 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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