Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Hunter

Fantastic Company and very easy to work with

Embrace has been extremely helpful in taking care of our little friend. I especially appreciate that an actual person writes the result of your claim in the "Claims Portal". You can directly contact that individual if you have questions and their response/claim processing time is very fast.
5

out of 5

POSTED: | BY: Hunter

Fantastic Company and very easy to work with

Embrace has been extremely helpful in taking care of our little friend. I especially appreciate that an actual person writes the result of your claim in the "Claims Portal". You can directly contact that individual if you have questions and their response/claim processing time is very fast.
5

out of 5

POSTED: | BY: Susan Nitka

It is comforting to know I have EMBRACE for my dog

My 3 year old Javanese developed HGE when he was 1 year old. HE required a 6 day hospital stay that cost over $4000. I felt so lucky that I did not have to make decisions for him based on finances. Without the intensive care I am not sure he would have survived but he now is a happy healthy dog. We also have a 2 year old Javanese that has EMBRACE coverage. She has not needed anything except routine care but I know she will be taken care of if the need arises. EMBRACE has direct deposit and have never waited more than 10 days to be reimbursed, even with a large bill of $4000.
5

out of 5

POSTED: | BY: Davina Loewe

Safety Net

I look at this insurance for my two rescued pittbulls, as a safety net, so far so good, I have an awesome vet, been with the vet 14 years- still going strong, they like this insurance, the fact that they get called about visits, they have reviewed my policy, it is in both of my dogs charts, I do recommend this insurance, I wish the wellness amount was more- you have to factor in yearly physical, flea/worm meds, dental chews, chewies-for two babies:
5

out of 5

POSTED: | BY: Lauren

Great company!

Embrace has been very fair with reimbursements- they do everything they promise, no hassels. I've submitted several small claims over the past few months and I keep expecting to be denied as any usual insurance company would do. I'm only met with a cheery response that my claim is accepted. Very fair- would/have recommended highly!
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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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