Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Julie

Great service and easy!

These folks are top notch. Claims are easy and quick. Also, they are so good with paperwork and sensitivity at the same time. We had to put two of our dogs down this year at different times. They immediately updated their records after I submitted euthanasia receipts and I received handwritten condolence cards.
5

out of 5

POSTED: | BY: Sherry Dwyer

Embrace is fantastic!

Getting Embrace insurance for my 4 dogs was the BEST decision I have made in a WHILE! They are so easy to talk with, and are 100% accessible, be it email, or phone. I emailed a question on my last claim and a rep responded so quickly my head spun! (Fastest response from any customer service type email I have ever sent!)
5

out of 5

POSTED: | BY: Erika Jordan

Extremely satisfied!

We've had Embrace insurance for about three years. Until this year, we've only made wellness claims. Earlier this year we found a lump on on Dakota's chest that indicated it was cancerous and immediately had it removed. Thankfully, the surgery was successful and no further treatment is needed right now. We were so grateful to have Embrace pet insurance! While we elected to have a higher deductible, once it was met, we had the peace of mind knowing we had the resources we needed to treat our loyal family member! Submitting claims online is easy and we are reimbursed via direct deposit. Customer service is excellent! We couldn't be more pleased!
4

out of 5

POSTED: | BY: Angela

Kidney Failure cat

Im so glad I got pet insurance! Embrace has covered all claims regarding my cat's kidney failure, even her kidney food is covered under wellness-though I wish it were considered under our illness/accident benefits since it is a prescription diet. I would also prefer to have the claim processed before we pay our amount due because costs can be hard to cover in advance when waits for reimbursement are variable. All in all though, a great experience, so much that I added the rest of my pets to my plan!
5

out of 5

POSTED: | BY: James Miller

Better that my human insurance!!!

Our healthy dog got really sick in a matter of a few weeks. Embrace insurance was truly caring and covered a lot of our expenses. The reimbursement was quick and the claim forms were easy to fill out.I called them with questions and a gentleman named Steve was helpful, patient and so kind and wished our dog a happy and strong recovery. Just terrific services and you can tell they truly care about your pet and your family. 💕👍✨
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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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