Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Debbie Flannagan

Friendly and efficent

I bought this pet insurance for my daughter, so that if anything happened to her best friend she wouldn't have to worry about a financial decision. Her dog is the love of her life as with most pet owners. As a mom of a daughter who has grown up to live on her own far from home, it gives me piece of mind that her faithful friend is by her side. When her baby got hit by a car she didn't need to worry about money ,she just needed to focus on the healing. Thank goodness for Embrace. Getting pet insurance from Embrace for her has been the best decision I could have made. When you took her frantic call after her dog got to the vet after the accident you gave her piece of mind and took some of her worry away. Thank you all so very much! I recommend you to everyone!!
5

out of 5

POSTED: | BY: H B

Great first experience with Embrace

We had to check our Goldendoodle into the vet overnight for observation of what appeared to be an intestinal blockage of some sort. Our vet was able to file a claim on our behalf with Embrace, which handled the claim expeditiously and just as we expected under the terms of coverage. Great payback on our premium investment already.
5

out of 5

POSTED: | BY: Kathy

ALWAYS THERE

Thanks so much with the help on Rocky's claims. It takes the additional worry out of finances when you are dealing with a unexpected illness. You have been always there when I have a question or need any assistance.
5

out of 5

POSTED: | BY: Mo

Embrace Pet Insurance- Truly the best!!

As a new pet parent, I wanted to make sure that my pet was covered in the event of an emergency. Purchasing pet insurance was a no brainer. After shopping around, Embrace had the best flexibility as I was able to build my plan to best meet my needs and my pet’s needs. Additionally, adding the wellness plan was THE BEST THING I DID. Now, no matter what the reason for a vet visit, I am worry free, knowing that my pet is covered. Our first wellness visit was completely covered. The claims process was simple and easy (I did it online and spent no more than 10 minutes). The claims agents were very helpful. I was also ways provided with updates via my claim portal. I think my pet has better insurance than I do :) (at least from a customer service and claims process!!) HIGHLY RECOMMEND!!
5

out of 5

POSTED: | BY: Michael Cross

These people act like they love my pet

My Brittany pup has suffered with excessive thirst and urination. I am on my third vet trying to figure out the cause. I wish my personal insurance was as forgiving as the Embrace plan. I compared it to other plans. These folks are the best.
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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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