Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Judicious

Love Embrace and would recommend

I like everything about Embrace except one thing, choose a plan you will stick with forever, because if you don't and you want to change the % coverage or $ deductible, the entire plan you have would consider existing conditions if you had claimed anything. Otherwise, everything is great. Service is prompt, I email all my claims via email and it's direct deposited into my bank account within a week. They review claims in about 5 business days.
5

out of 5

POSTED: | BY: Rick

Happy to Have Insurance!

I have a 14-month-old bulldog who has had a bunch of small issues--UTI, some skin issues, an emergency allergic reaction (relatively minor, thankfully, though scary). Embrace was super easy--I had multiple claims, submitted from 2 providers, and everything was received, evaluated, and paid out in less than 3 weeks. Their customer service is prompt and thorough, and the direct deposit to my checking account makes reimbursements even more convenient.
5

out of 5

POSTED: | BY: Jeff

Fantastic in every way

I can't say enough good things about Embrace: fantastic, responsive customer service; quick processing and payment of claims, easy to reach by phone and online. It's a real pleasure to be an Embrace customer.
5

out of 5

POSTED: | BY: Eve

This insurance is fantastic

My cat has been terribly sick with Triad Syndrome - it's a chronic illness. This insurance has helped me so much. They are prompt, attentive and always helpful. I like the personal emails - so unusual these days.
5

out of 5

POSTED: | BY: Nolini

Easy Breezy reimbursements!

Embrace rocks! We had a different Insurance company with our first dog and it was always a tedious chore trying to collect our claims. They almost always wanted more documentation and found any excuse to deny claims. Embrace is just the opposite! I have policies for both my doggies for the past 5 years and have never had a problem with them!
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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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