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: Hugh

Just when you least expect it...

Our Golden, Leo, had become lethargic with severe GI issues. It was suspected he might have been poisoned or developed a tumor. Our follow up care showed no tumor and helped resolve the condition. He's back to his old self. Just as much relief was provided by Embrace's coverage. Simple submission of receipts and doctors notes led to a prompt review an payment of the claim. I was very impressed by the processing and follow up care offered by the team at Embrace. They have been terrific!
5

out of 5

POSTED: | BY: Karen

Far superior and user friendly

I have 2 dogs with another company. They charge deductible for every different illness. The last claim still hasn't been resolved 5 months later. None of these problems happen with our 1 year old pup. I would change today and insure the others with embrace if they didn't have chronic preexisting ailments. Very pleased with Embrace for new dog. Live and learn.
5

out of 5

POSTED: | BY: Mike

Claim experience

Our dog was sick, had a prolonged stay in ICU.Although initially there was some confusion and delay with paperwork regarding our claim, ultimately things were settled (relatively quickly) and the Embrace paid the claim. Our dog is now healthy and financially his care was covered by embrace which was very helpful.
5

out of 5

POSTED: | BY: Michael

we are so blessed to have Embrace Insurance!

We were initially hesitate to get pet insurance but from our first contact with Embrace to now we have been so incredibly blessed; everyone is always so helpful and the response to any inquiries or to claims has always been expedient. We will definitely insure our future pets with Embrace. Thank you, Embrace!
5

out of 5

POSTED: | BY: Meghan

We love Embrace!!

This is our second year with Embrace for both of our dogs and we would be in a world of hurt without it! Embrace makes everything so easy from the claim submission process to the claim tracking process to getting your reimbursements fast! We have a high maintenance French Bulldog (who we could NOT love more!) and the majority of her Wellness (for her first year of life) and Injury/Illness has been covered by our Embrace reimbursements. We appreciate their customer service and the ability to always get a human on the phone as well!
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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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