Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Michelle

Excellent coverage and service

We have had EMbrace for 5 years with our Bernese Mt.DOg. They offer great service, are easy to use and great customer service. I had another provider (VPI) with my last dog and they didn't cover anywhere near what Embrace covers. We have used it for wellness as well as a few minor accidents, ear infections, lyme disease and the major one was a surgery to remove a rock he ate.
5

out of 5

POSTED: | BY: Holly Reed

Great insurance coverage

Another great transaction with Embrace pet insurance. I was very happy when they covered my dogs hip surgery. Imagine my happiness and surprise when they covered his postop physical therapy and pain medicines. Top notch insurance, easy filings, and quick refunds. Thanks Embrace!
5

out of 5

POSTED: | BY: Suzanne

Thank you Embrace

I've been using Embrace insurance on my greyhounds for about 5 years now. We've had a number of accidents, injuries and illnesses (including Valley Fever which has been going on for 3 years now) and Embrace and the folks that work there have been great to deal with. They have been friendly and helpful on 99% of the calls (In all the calls I've made, there has been only one I was not satisfied with the outcome of.) and have paid covered claims very quickly. Most everyone I've communicated with has been exceptionally friendly (just the one was not). I would (and have) recommend their insurance to all pet owners. (I wish my personal health care was so good.) It's made a world of difference in my ability to care for my dogs.
5

out of 5

POSTED: | BY: Karen

EMBRACE is wonderful

I recommend EMBRACE to all my pet-parent friends. They are fast, easy to talk to, easy to work with via-electronically. I have four fur-babies insured by them. Feel so much better for their sake.
5

out of 5

POSTED: | BY: Mary Anne

Embrace is excellent!

Every employee is terrific. I had a claim where there was a problem with information. I brought it to Embrace's attention as I resubmitted and it was handled overnight. Thank you for having been wonderful for Hutinki through all his health problems. I wouldn't have him if I didn't have 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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