Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Bill

Great service

Our puppy had a fractured tooth that had to be removed. We submitted a pre-certification to Embrace, had that approved, and they covered just about everything. They're great to talk to over the phone, too - their people are friendly and very service-oriented. Highly recommended.
5

out of 5

POSTED: | BY: Paula

Fantastic

Embrace may be a bit costly up,front but is ABSOLUTELY WORTH IT!!! They process claims quickly, are fair, follow their guidelines and the customer service is excellent. If you have a breed prone to issues, insure them with Embrace ASAP. I have had 2 Yorkies with knee and hip problems and it has been worth every penny. Not to mention, the insurance has allowed me to,get help,for,my dear ones when I did not have enough savings to cover the costs.
5

out of 5

POSTED: | BY: Daphny

Merci Beaucoup, Embrace!

We went to France for 5 months and took our German Shepherd dog with us. When she got bronchitis and had severe problems breathing, we took her to 3 different vets. We weren't sure if our Embrace policy would cover us abroad, but thankfully it did. The staff was very helpful and fast in processing our claim. Merci beaucoup!
3

out of 5

POSTED: | BY: carl siciliano

Great Service but disappointed

I have had Embrace since my dog was a puppy, six years ago. Seems I pay my policy but it never pays me for claims. Maybe time to investigate other pet insurance carriers. Service us great but disappointed in the policy.
5

out of 5

POSTED: | BY: Courtney Freaney

Embrace is amazing and continues to improve

I've had Embrace from the second week I adopted my little furry child, a French bulldog named Keelie. Keelie has had some health issues from the beginning - from ear infections to allergies to TWO disc surgeries (IVDD), Embrace has always been there. When she had her first surgery, the bill was over $7,000, and they reimbursed me for my full 80% within 3 weeks. This last round, the bill was nearly the same, and I received my reimbursement in less than a week! She's had some follow up issues and the turnaround for the reimbursement has been amazing. It's great to know that I wont be out all of that money for very long, and that I don't have to think twice about doing what's best for Keelie. I seriously could not have done all of this without Embrace. Thank you!
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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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