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: Diane

Great insurance!

I have had Embrace insurance since 2010. Never had to use it until our little chihuahua Charlie Brown suddenly deveoped seizures and congestive heart failure last summer.Embrace has been fantastic! Claims paid quickly and great staff!
5

out of 5

POSTED: | BY: Debbie Miller

Excellent service

My 8 year old rescue has acquired an infection that has been resistant to the usual antibiotic treatments. We have received reimbursement for the cost less 20% ($216.43) deposited in a timely manner into our checking account for the initial treatment. We have subsequently had to retreat him with daily antibiotic injections daily for 10 days. That claim was just submitted. Based on my experience with Embrace I expect that next week 80% of that expense will be deposited in my account, as well. I'll follow up with another comment after that claim is settled.
5

out of 5

POSTED: | BY: Carla

No tricks

Embrace was clear as to what they covered and as to how. When I had questions, they were immediately answered by their qualified staff. Our new puppy had broken a toe. We felt the burden of how much it costs to cover these expenses and chose to research pet insurance. This has been wonderful.
5

out of 5

POSTED: | BY: Sally C.

Very good insurance!

My dog had a biopsy done and Embrace covered a good amount of the final cost. Their customer service agents are excellent. Thank you.
5

out of 5

POSTED: | BY: Heather Jones

Amazing Customer Service and Quick Return on Claim

We have had Embrace for about 9 months now and have had to use it for our dog with a new condition. I have had no troubles receiving my claim benefits from Embrace. Each time I have contacted their customer service, I am greeted by professionals who know how to help. I highly recommend Embrace Pet Insurance.
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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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