Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jen

Great Customer Service

I have had Embrace a few years now and have always been glad I chose them based on coverage, customer service and turn around time. However, most recently I received a reimbursement check that was damaged in the mail. I was afraid they might give me a hard time to reissue a new. On the contrary they were very nice and have reissued one right away.
5

out of 5

POSTED: | BY: Kim Sauer

AWESOME!

Embrace is the 3rd pet insurance plan I have tried. I work in the pet industry and talk to a lot of pet owners and I now recommend Embrace to everyone. After frustration with past insurance plans I stumbled on Embrace. They are fantastic! With 2 large breed dogs (aged 8 & 9), Embrace covers exactly what they say they will! No arguments, no having to prove the cost for my area, no getting a second estimate from another local vet (all things I've had to do in the past with other companies). They make it easy and totally worth the cost of the premium. I will never go anywhere else! THANK YOU EMBRACE!
5

out of 5

POSTED: | BY: Kathy

Thank Goodness for Pet Insurance!

My poor dog has been an itchy mess for years, and we have tried a number of things through my regular vet. The next step was to go to a dog allergist, and I just knew that would be a huge expense. But I finally called Embrace to see if possibly it might be a covered expense and to my eternal gratitude they assured me that it was, and would be covered at 80%. So my pooch is on her way to becoming a much less itchy dog thanks to Embrace! And the claim was handled in under a week, which was awesome!
5

out of 5

POSTED: | BY: MDoty

So responsive and true to their word!

Our 6-year old Golden Retriever is experiencing her first signs of arthritis. We had her X-rayed and received medicine for her for the next month. Have been dutifully paying our Embrace premiums for the last 6 years without having to use the insurance so we were so pleased to see it was as worthwhile as we had anticipated. Super quick claims process and really responsive in connecting with our vet's office and the pharmacy. Really appreciate!
5

out of 5

POSTED: | BY: Gwen Graham

Practical and Affordable

Embrace is easy to submit claims and quick on reimbursements. Their premiums are affordable. I am quite satisfied with the insurance for both my dogs.
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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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