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: Teresa

Very Impressed with Embrace

This is the first time I have purchased pet insurance and I am very pleased with the services and fast attention I receive from them an any question or claim. Thanks for providing a wonderful service
4

out of 5

POSTED: | BY: Neepuppyowner

Good insurance, slow to reimburse.

Good coverage, very friendly staff. Very slow to reimburse.
4

out of 5

POSTED: | BY: Elizabeth

Great customer service and quick re-imbursement!

Embrace has been a pleasure to work with.. Our 15 month old puppy was diagnosed with a bowel obstruction and embrace covered almost all costs! We are so grateful for our insurance and we know our dog is in great hands... Highly recommended!!
5

out of 5

POSTED: | BY: cheryl

Thank you Embrace for embracing us!

First you have to know Embrace came highly recommended by my dog agility community. I decided to get the insurance thinking not my dog but you never know. Then "it" happened during an agility national competition - my dog tore his CCL! So happy to have Embrace - I was nervous - wasn't sure how to submit the claims - the staff on the other end was kind, and empathetic - the claims have been handled in a timely fashion. Always communicating where we were in the process. Cooper is on his way to getting better - we will compete again some day. Thanks Embrace!
5

out of 5

POSTED: | BY: Ernest

Highly Recommend Embrace

I did my homework and decided to go with an insurer that would pay based on the bill not pay on a schedule of allowables.... Then when my Bernese Mountain dog had a large claim this past November, they promptly paid based on the bill... Excellent... Customer services was both courteous and prompt.
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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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