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: Sheila Bond

Worth every penny

I have had the wellness and accident/injury coverage since my puppy came home. I, thankfully, have not had to use the accident/injury coverage, he's also only 1 year and 9 months old. But wellness coverage is fabulous! Simple form: check wellness visit, vet stamps form, copy of receipt & in the mail it goes or send via email. Quick response from Embrace & I have my calm $$ fast! Very pleased with my plan & coverage!
5

out of 5

POSTED: | BY: Jeremiah

Very impressed!

We obtained our policy just 2 months before a very expensive ACL tear. Even though we'd submitted our Orthopedic Report Card immediately upon policy acquisition to eliminate the waiting period, I was still expecting some push-back from Embrace given how short a period we'd been covered for. I was pleasantly surprised that they honored our claim and reimbursed us promptly for the coverage amount we'd selected and without any hassle. They have definitely renewed my faith in insurance companies : ). I couldn't be more pleased.
5

out of 5

POSTED: | BY: Dennisur

Best Pet Insurance Company Ever!

My dog had to have surgery for a luxating pattela, which I knew would be costly, but there was no other way to fix her issues. I submitted my claim and received feedback within 3 business days. This is the fastest feedback I have received from any company I deal with on a regular basis. Before Embrace I dreaded taking my dogs in for any illness or injury due to mounting costs, but with Embrace I never fear the vet. The peace of mind they have given me and my family far outway the monthly fees. Thanks for all that you do!
5

out of 5

POSTED: | BY: Bron

Fantastic experience.

Embrace are clear and fair. The customer service is top notch with quick and well considered answers to my complicated questions. I always understand where I stand with my reimbursement and my money is refunded quickly. Great company and I highly recommend.
5

out of 5

POSTED: | BY: Robert Lersch

Thanks EMBRACE!

Everything went smoothly and easily filing my first claim.The wellness coverage is a huge relief knowing that the vet's charges are covered and reimbursed 100%. A plus was that even the cost of meds were also covered. I liked that, and the fast reimbursement of my claim. Embrace's communications were super and timely. This company is on the ball.
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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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