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: Kendra

great service, easy to file claims

My dog has been having chemo for the past few weeks, and Embrace has been so great during the whole process. They have made it super simple to submit claims and they process them very carefully. Thank you for your stellar service!
5

out of 5

POSTED: | BY: MarjorieJean

Exceptional Service

So far I have submitted seven claims for the orthopedic problems our new puppy has. Embrace pet insurance has been terrific. No claim has taken more than two weeks and the latest was submitted directly by the one of our veterinarians took two days.
5

out of 5

POSTED: | BY: Angie

Ready for the unexpected?

Within 2 months this spring,my lab contracted a gastrointestinal problem, ear infection and kennel cough(even though he was vaccinated!!). The first two illnesses were treated by our vet but had to go on a weekend to the animal hospital for kennel cough. Both visits required blood work, xrays and meds. The unexpected costs totaled $1,000 easily. I had never filed a claim before, and one call to Embrace provided exceptional service and promptly received checks within 2 weeks! So relieved to have coverage with Embrace!!
5

out of 5

POSTED: | BY: Kiran

Smooth and straightforward

No hassles. Easy to understand and use. You have a claim and they'll take care of ya. Lov these guys at Embrace!
5

out of 5

POSTED: | BY: Catherine

Excellent!

Every interaction I have with the employees at Embrace is superb. I'm always treated with utmost care and respect by a friendly, professional associate. Filing a claim is easy to do, and Embrace is very communicative throughout the process and quick to pay claims. I highly recommend!
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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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