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: Claudia

Hematoma Claim

Well, this was our first real claim with Embrace and I have to say that it went very smooth. They did want prior history for our dog for the previous year but the only history we had was his regular vaccinations. After I called and spoke with them the claim went thru quickly. Having insurance with a company that does what it says it will do is great. I know that I do not have to worry if something major happens. Embrace will be there for me and my Jake.
5

out of 5

POSTED: | BY: Jan

Ongoing Peace of Mind

We continue to get timely, satisfying response from the Embracers. Communication is always forthcoming and proactive, and I find that it creates even more confidence in Embrace.We plan to adopt another dog soon, and he'll be our 4th dog on an Embrace Policy. That is customer satisfaction!
5

out of 5

POSTED: | BY: Jan

Love Embrace!!

I have a dog with arthritis who has needed alot of treatment and Embrace has covered most of the bills. So glad I have this insurance. They are wonderful and never have any problems. I highly recommend Embrace to everyone who owns a pet.
5

out of 5

POSTED: | BY: Sonny

Wish my health insurance is like Embrace!

Embrace re-imbursed me for my dog's behavioral training. My GSD is doing well in his club class training. Great company and excellent customer service!
5

out of 5

POSTED: | BY: Emily

Incredibly fast claim payment

Maggie, my 9 year old shepherd-mix, developed a suspicious growth just under the skin on her shoulder area. Her vet collected a sample to have biopsied at an independent lab. I brought her in that day for updating the rabies vaccine and other health maintenance issues. The biopsy and laboratory costs were a surprise to me and my wallet. How nice it was to submit a claim to Embrace and have the biopsy and lab covered. Imagine my surprise to hear from Embrace Claims team that the claim was approved and I should expect a direct deposit to my account in two days! I also like the Pet Portal--you can track the status of your claim. Embrace makes things really easy.
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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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