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: Mary J

Got my money's worth

I like this coverage because I have tried a number of other companies over the years and I seem to never get anything back. This is a problem when you pay the Vet so much these days. This is easy to use, reasonable in requirements and nice to deal with. It is pretty straight forward after the enrollment. It helps me get superior care for my dog. When I adopted him he had some infections, tooth problems and was underweight. Now he is much better after head to toe care.
5

out of 5

POSTED: | BY: April

Great pet insurance

I have been really impressed with Embrace pet insurance. They are very responsive and do a great job of keeping me informed on the status of my claim. Embrace is fair with their claim compensation and I have been very satisfied with their service overall. In addition, the claim payment for my dog's injury arrived very quickly with no issues whatsoever.
5

out of 5

POSTED: | BY: Jenifer

Friendly and Responsive Customer Service

I have two Goldens nearing 3 yrs old and have had insurance with Embrace since they were born. My girl has a hurt elbow (non technical terms) and will require surgery, unfortunately. Embrace has reimbursed promptly for all pre-op appointments and meds, scans and x-rays. Great friendly customer service, love the on-line claim status, and feel grateful to have Embrace on my side.
5

out of 5

POSTED: | BY: Leroy D.

This insurance is the best way to go

Since I got this insurance I can sleep at night with no worries about my dog getting sick and what am I going to do, Thanks Embrace.
5

out of 5

POSTED: | BY: Jen

Effortless!!

I really can't say enough about Embrace and their staff. Every time I call, I am met with friendly staff who answer my questions with ease. The website is also so convenient. I submitted a claim for my pups wellness plan just last week and have already been reimbursed - this took less than a week! Not only was this quick, but a couple of the items on the invoice actually met criteria for his illness plan - ear infection - so they applied that portion toward the deductible on his accident/illness plan. Embrace could not make this any easier. Best choice EVER for pet health insurance!!
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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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