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: Brenda Templin

Wouldn't have any other insurance

I have never had a problem and often recommend Embrace to pet owners. At my vet, the girls at the front desk are now pointing clients to Embrace.
5

out of 5

POSTED: | BY: Angela

Pure excellence!

We were absolutely devastated when our Great Dane bloated and required major surgery. Embrace was fabulous. The staff is amazing, empathetic, and so friendly. Our claim paid within 5 days after submitting a simple form and receipt. We can truly recommend Embrace to every pet owner. Filing a claim is simple and fast with no unnecessary paperwork. As a result, we were able to focus solely on getting our puppy well again. Thank you Embrace!
5

out of 5

POSTED: | BY: Mary

Embrace pet insurance gives us peace of mind. .

Our dog had a seizure and spent the night at the vets and under went several tests. The bill was over a thousand dollars and most of it was covered. It is a relief to know that with Embrace, we can get quality care for our dog without worrying about the expense.
5

out of 5

POSTED: | BY: Jim and

Always prompt and no hassle.

We have had several Great Danes insured with Embrace and have had nothing but positive experiences. They pay promptly with no issues. Furthermore, the coverage is not limited to a single provider. We can go to either our usual vet or to a specialist, when necessary, and they cover the expenses. Our current older dog has had several expensive procedures that have been covered, making the annual premium a worthwhile investment.
5

out of 5

POSTED: | BY: J Gauthier

Excellent and prompt customer service

I have only needed to use Embrace so far for my dogs' wellness visits (thankfully there have been no emergency or injury visits), however, I have been very impressed with their customer service. They have always answered any questions and dealt with my wellness claims promptly and efficiently.
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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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