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: Nicole

Amazing and fast claims!

I had a delightful experience with my claims processing. They were courteous and showed care for my pet as well. They had asked how he was doing and were very empathetic.
5

out of 5

POSTED: | BY: Ginny

GREAT company

I have 4 dogs insured with embrace and I've never had a problem with the company. I highly recommend them. The customer service is friendly and the reimbursement is fast. I wish human insurance companies where is good as Embrace!
5

out of 5

POSTED: | BY: Will

embrace is a life saver!!

My cane corso Gracie developed hip dysplasia in both hips at a young age, both hips needed to be replaced, to make matters worse shortly after she was diagnosed with addisons disease. embrace was and is a huge part of gracies ongoing recovery. I recommend embrace to anyone I see with a pet. I have had many claims as you can imagine, and every sigle one has been covered in an extremely timely fashion.
5

out of 5

POSTED: | BY: Teresa Neely

Back surgery gets doxie back on her feet.

In July, my mini Doxie needed emergency back surgery. Embrace was with us from the initial emergency /after hours vet through the surgery and hospital stay. They continued to cover her extensive rehab. Claims were quickly paid, They stayed in contact via email. Thankfully, my furbaby, Zuzu is expected to make a full recovery. I definitely would recommend them.
5

out of 5

POSTED: | BY: Rosemary Panuco

Very helpful

My vet clinic has the forms on hand and can easily file them for me, which makes the whole process easier. They say Embrace is easy to work with. I agree wholeheartedly. If you have questions, call and they will be answered. There was an issue with my other dog, for whom they needed medical records from a snake bite at the emergency clinic. While it was not clear from the e-mails what was needed, one phone call and it was all taken care of. Really great people to talk to who understand why you love your pet.
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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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