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: Jennifer

We couldn't have done it without Embrace!

Our Bernese MT. Dog had a bulging disc that caused her lots of pain and it took us many visits to different specialists and and MRI to finally figure out what was happening with our poor pup. As you can imagine, the cost of Vet specialists, and MRI and back surgery...were not cheap. My husband and I were so pleased and impressed with Embrace's quick response to our claim forms and not giving us a hard time about what they would and wouldn't cover. I would highly recommend Embrace to any pet owner...it gives you a peace of mind to know they have your back.
5

out of 5

POSTED: | BY: Ryan

Great Service, Quick Turnaround

Had an annual check-up for our Maltese. Submitted the vet receipt on the same day as the vet visit to Embrace for reimbursement under our Wellness coverage. Less than 24-hours later, I had received a confirmation email of the claim initiation and confirmation of coverage/reimbursment. We've been Embrace customers for 6+ year (ever since we got our Maltese), and the level of service, kindness of the "Embracers" and quick turnaround on all of our claims has been outstanding. I cannot recommend Embrace enough to our friends and/or anyone with a pet they care deeply about.
5

out of 5

POSTED: | BY: Alex

Embrace is Great

Just filed my first claim and it took a total of 2 days to get a check issued! Glad I opted for the Wellness feature as it has already paid for itself for the year. I love the customer service at Embrace. The few times I've called with a question each person has been very nice and knowledgeable. My other dog is still with another insurance company, but after my experience with Embrace he will be transferring over here.
5

out of 5

POSTED: | BY: Megan

Fast Reimbursements!

We are very impressed with the customer service of the Embrace staff and the fast reimbursements! We recommend Embrace to anyone looking for Pet Insurance!
5

out of 5

POSTED: | BY: Tammy

Great pet insurance!!

I have VPI on 2 of my dogs but decided to try Embrace with my 3rd dog Miracle. I'm so glad I did. Miracle (a Rottweiler mix) was a rescue that we adopted and at only a year old had to have salivary gland removed in her mouth. Embrace covered it and were very prompt in processing and mailing payment. I will be adding the Wellness plan also. I would highly recommend this insurance for all pet owners!
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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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