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: Gilbreth

Wonderful, empathic customer service

I cannot say enough fantastic things about the Embracers at this insurance company. In the midst of our medical emergency, when I didn't know how to make decisions, several agents just listened while I thought about different medical choices I could make. In the recovery period, the Embracers were quick to find a billing error and correct it. Every phone call involved friendly, patient, present, caring voices on the other end.
5

out of 5

POSTED: | BY: Brittany

Amazing service

I am so grateful to have Embrace Pet Insurance on my two dogs! I never hesitate to take them to the vet, I get quick responses from online help, reimbursement within a week, it's absolutely perfect. I haven't had any emergency situations yet, but I feel confident in Embrace to assist and aid me if a situation should arise.
5

out of 5

POSTED: | BY: Susy

Since 2009, still awesome

We've had Embrace coverage for our Newf furbaby since 2009 and have since added our 2nd Newfy baby. Claims are always paid very quickly. Embrace covers our girl's Melanoma vaccine protocol shots and within 3 days and we are forever grateful for having this insurance. Their monthly premium is totally worth it for us
5

out of 5

POSTED: | BY: John

Brady's FLUTD Problem

Our male cat Brady has had some urinary tract problems over the past few months involving several visits to our family veterinarian and a couple visits to veterinary emergency hospitals. We submitted all invoices and doctors' notes to Embrace and they paid everything according to policy terms. We are very grateful to Embrace and their employees for responding and paying reimbursement so promptly. I highly recommend them for your pet's insurance coverage.
5

out of 5

POSTED: | BY: Meryl

Treating me Well

I have had Embrace for years and they have been good to me. They have covered my dogs genetic eye surgeries twice and because of them he still sees. I have used them for Emergency visits on another dog and orthopedic issue with a third. With all insurance companies get it on your dogs young before there are any preexisting as none of them cover those.
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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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