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: Linda

Embrace Ins was the best choice for us.

Our 10 yr old was diagnosed with low thyroid. Embrace quickly covered the claim, paying just how they said they would. They are so good about documenting how they pay but are also willing to explain their claim payments even further. Such good cooperative folks with which to deal.
5

out of 5

POSTED: | BY: Karen Karcher

Help when I needed it

My dog needed exploratory surgery on the weekend-knowing that most of the cost would be covered by her Embrace policy was a great relief. The claim process was reasonable, took a little longer than I expected but eventually was reimbursed as expected. Make sure your vet sends in your pet's medical history up front to shorten claims processing-I found that mine had not and that slowed things down.
5

out of 5

POSTED: | BY: Katie

Having Embrace saved my dog!

A couple of months ago, my 2 year old boxer mix woke up in the middle of the night after wetting the bed (very unlike him) and was obviously not ok. I went to the emergency vet at 3am where they had him admitted for three days for spiked kidney and liver levels. It's only me and my dog and he is my world, and without Embrace, I would not have been able to cover the $2,800 vet bill to save him. I recommend Embrace to every dog owner, because there is nothing better in the world than knowing you don't have to worry about the money, and just care for your baby. Thank you again Embrace for all that you do, you have a lifelong customer here!
5

out of 5

POSTED: | BY: KC

Simply Fantastic

We have had Embrace Insurance for three years. For the past two years we have had not issues so we began to question if we really needed it. Let me say, I am happy we kept it. Our dog recently tore her ACL and required surgery. Our vet submitted the bill on our behalf and within 5 days of the event Embrace has paid on the claim. The portal kept us up to date of the review process as well as receiving email updates. Embrace is professional, quick and a pleasure to do business with.
5

out of 5

POSTED: | BY: John

quick to process claims

Always a great experience dealing with Embrace. They process claims quickly with any hassle. was with different companies in the past, Embrace by far is the best.

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.

Get a quote today

Leave a review