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: Kim

Awesome

I have had pet insurance before (VPI) and was not happy at all. My friend told me about Embrace and it has been a life savior. The customer service is great and I receive checks within a week of sending in my claim. I can not say enough about Embrace. Without Embrace I'm pretty sure my husband would have divoriced me by now!!!!!
5

out of 5

POSTED: | BY: Heidi

Very thorough and great customer service

I was a little skeptical obtaining an insurance company for my fur kids but have heard over the years how it has helped those around me when the time came. I was referred to Embrace by my cousin and finally decided to join. So glad I did. So far, I've submitted two claims for their annual vaccines and received full reimbursement under their plan. Glad to know they have the care that's need should something happen in the future. And great customer service.
5

out of 5

POSTED: | BY: Eric

Providers

I have had several pet insurances and Embrace was just as good if not better. I really do like the way business is conducted here as claims and follow up is quite painless for me. If I cant find a particular receipt Embrace's talented staff do detective work when I can find the proper paper work and that is a time saver. Happy New Year. Eric
5

out of 5

POSTED: | BY: Brian

Good Overall Experience

Good overall experience.
5

out of 5

POSTED: | BY: Mary

The Best Choice

We have had our dog covered with Embrace for 5 years. He hasn't had huge expenses...yet. But he's 8 years old now and will probably have more. This year he saw the vet for a lot of smaller issues but it adds up. We have found this insurance to be easy, prompt with payment, and hassle free. When I have called them they were friendly and helpful. I wondered when we first bought insurance coverage for our dog if it was really needed. But we have been 100% pleased with the decision and with the choice of Embrace.
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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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