Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kathleen

Quick Response to claims.

We had to take our pet to the vets due to his licking/chewing at an area on his leg/paw where the hair was gone and the area was red and he was continually licking at it. Could be underlying allergy and/or he scraped the top of right foot. Felt our claim was handled in a very professional and quick manner after submission.
5

out of 5

POSTED: | BY: Sharon

So far so good!

I have had Embrace going on my second year and so far am very pleased. Thankfully I haven't had to use the accident/illness portion yet but their wellness rewards program is great! It allows me to budget monthly to cover expenses I will have for my puppy and even saves you money! Their wellness claim process is so easy and quick and I have a reimbursement check within the week. Hopefully I won't ever have to use the accident/illness portion for my baby but if the way they handle their wellness claims are indicative of how they handle accident/illness claims then I am sure it will be a smooth process.
5

out of 5

POSTED: | BY: Liane

Embrace is Amazing

I can't say enough about this terrific company. We got our dear little dog Lucy at 10 weeks old. At about 10 months, strange bluish images appeared on her corneas. Turns out her eyelids turned inwards causing the eyelashes to continually scratch the corneas. The blue images were scars. If we did not have her eyelids surgically corrected she would become blind. Embrace covered the surgery! Two years later Lucy developed an ulcer on one eye, requiring another expensive visit to the veterinary ophthalmologist. Embrace came through again. I am so grateful. It is a relief to be covered by Embrace. I recommend them absolutely.
5

out of 5

POSTED: | BY: Gina

Extremely attentive

I have been incredibly happy with Embrace for my pup's insurance plan. They are highly responsive, their paperwork has been easy to fill out for myself and the vet, and they are very fair and reasonable from a cost perspective! The care for my pup has been an added bonus. They checked in several times as my furry love had the puppy flu and even mentioned for me to give her a hug for them. Wish our healthcare system worked the same way for humans!Thanks for all that you do, Embrace staff!
5

out of 5

POSTED: | BY: Beatriz

Quick reimbursements

Never had a problem with my claims. They respond as soon as they receive the claim and I have my money back within a couple of weeks. Great insurance! Totally worth it.
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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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