Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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: Ian

Embrace is Incredible.

Okay, I've never seen a company as helpful and efficient as Embrace. I just got my cat neutered, and within days was completely reimbursed for the operation thanks to their affordable wellness plans. I'm amazed.
5

out of 5

POSTED: | BY: Allie

CCC - Comprehensive Cancer Coverage

Embrace continues to be wonderful about processing my dog's cancer claims quickly and without any push back. I am consistently impressed by how they don't dictate what treatment options are or aren't allowed for your pets given condition.
5

out of 5

POSTED: | BY: Katrina

Prompt Reply

As soon as I submitted my insurance claim form, Embrace sent me a reply email that they received it. I then received follow up to emails to let me know I will be covered and that the check was sent. Very pleased with their service.
5

out of 5

POSTED: | BY: Toni

Great service!

Claim was received and covered in no time and it was during the craziest time of year. Thank you!
5

out of 5

POSTED: | BY: Debbie

Embrace Was there for Me and Jake

My puppy Jake is very active and gets into everything, When I signed up for the free trial Jake made sure we got started with the claims soon after. He ingested something that made him sick, off to the vet hospital that is when deductible was met. Then a month later he became wobbly in and had many test and hospital stays and then surgery bills came to over $2000 Embrace was very quick and covered the bills 80%. Customer Service was great they actually cared about my dog and a few of them emailed to see how he was . If only people insurance could be that caring and helpful. I recommend Embrace very highly I hope we do not have to make any more claims for awhile but if we do I know Embrace will be there .
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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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