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: Colleen

Extremely easy to work with

My dog has had a rough first year as far as health goes. She has been poked and prodded more than any animal should for such a short life. Embrace was there for all of her procedures and covered them all without any questions. I highly recommend Embrace for all your pets
5

out of 5

POSTED: | BY: ALS

Excellent Company

I switched to Embrace after having been with another company for a few months and the difference is like night and day. Besides the ability to customize your plan the customer service is outstanding. They have answered every question I've had clearly and were great in explaining my coverage and why certain things weren't covered (unlike the last company I was with). They are super helpful and nice and I appreciate the follow up that they do. You can tell these folks love what they do and love the pets they are taking care of. I wish I'd signed up with them earlier
5

out of 5

POSTED: | BY: Betsy

Best in all aspects

I have been an Embrace customer for over six years and have coverage for both my Havanese dogs. I did my research before choosing Embrace and feel that they are the best. I have had no issues with any claims and they even covered several chiropractic and acupuncture treatments. My little boy Tucker who is only 5 and a half years old was recently diagnosed with Glomerular Meningo Encephalitis, an autoimmune related inflammation of the brain and spinal cord and Embrace has covered all of the diagnostic procedures and the treatments that he has had so far. He is doing great now but still has more treatments ahead. I would recommend Embrace to everyone who want to purchase pet insurance. Great company and service!
5

out of 5

POSTED: | BY: Anna

Rapid service, plus responsive and pleasant staff

It only took three days from the time the forms were sent from my veterinarian's clinic to the time the claim was reviewed by Embrace Pet Insurance Staff. They gave me timely progress reports, too. The staff was polite. I'd recommend any pet parent to check them out for their dog or cat's healthcare insurance needs.
5

out of 5

POSTED: | BY: Cindy

Prompt service & payments!

My beagle is 7 years old and I have been with Embrace since we got her. Every year I pay the premium hoping that if and when she gets sick we will not have any issues with claims and payments. Until now Embrace has only had to pay a few minor claims which they did without any issue. This year we are in the middle of an illness with our dog and Embrace has not disappointed in any way. The respond quickly to claim submissions with an email and they pay very quickly as well. Embrace has not disappointed and I am very happy with their service and their staff is very professional as well. Great product!!!

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 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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