Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Ingrid

A real financial help with a hip replacement.

My two year old Rottweiler had hip replacement and Embrace was with us every step of the way. The insurance coverage truly help with getting her hip replaced. My insurance reimbursement was issued within 10 days. It was peace of mind knowing we did not have to pay the entire bill. All three of my dogs are insured by embraced. I work at a vets office and I always recommend embrace to my clients.
5

out of 5

POSTED: | BY: Lisa

Thank gosh for Embrace Pet Insurance!

I have been an Embrace customer for about 2 years now. I have my dog and 2 cats covered. Embrace has been wonderful to us. Customer service is outstanding! All of our claims are processing within 2 days and reimbursement is within 1 week. My pets are my family and I am so relieved that I have them covered. Thank you very much for being awesome Embrace! I recommend you to everyone I know that has a pet!
5

out of 5

POSTED: | BY: Lucah

Fast and Helpful

I just got Embrace last month, and luckily I have not had to submit any accidental claims yet. However, they have been extremely helpful and responsive each time I email and/or submit wellness claims online. On average, reimbursements take approximately 2-3 days (which is amazing)!
5

out of 5

POSTED: | BY: Val

Up Font Company that Honors Its Commitments

My toy poodle was diagnosed with luxating patellas. After communicating with four doctors that my dog had seen, Embrace covered the doctor's visits, the surgery, and the rehab. My little girl is improving daily with crate rest and a prescribed exercise program. All the representatives from Embrace promptly and compassionately answered all my questions. It has been a real pleasure dealing with Embrace, especially after having a horrid experience with another disreputable pet insurance company a number of years ago. I have since recommended Embrace to three of my friends. I highly recommend every pet owner purchase pet insurance. My dog's surgery came during a time two household appliances needed to be replaced, and four of the trees in my yard were in desperate need of maintenance. Thanks to Embrace, I don't have to worry about paying my home repair bills.
5

out of 5

POSTED: | BY: Amanda

Embrace is the best, hands down.

I have had my 6 year old Newfoundland Piper on the Embrace plan since she was a pup. Last month she developed bloat with a stomach twist and had to have emergency surgery. My claim with Embrace was covered very quickly with no questions asked. I will never have another dog without the coverage of Embrace.
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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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