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: Chris Ostrowski

Great company with speedy payout

We have had Rocky's policy for a year now, and luckily we have not had to use anything other than the wellness benefit. Everything from his flea and tick medication, to his toe nail trim once a month....Embrace processes his claim and pays me within a week directly into my bank account. Couldn't be easier :)
5

out of 5

POSTED: | BY: Sabrianna Terranova

Great communication and very fast refund!

My Golden Retriever Layla has been "Embraced" for several years now. I am very happy that I went with Embrace as her pet insurance carrier. My sister uses a different company for her dogs and when I told her quickly my refund arrived for Layla's surgical procedure she was very impressed. I love that the entire claims dept. keeps in constant contact with you during the process of your claim and again, the refund arrived very quickly. Embrace is the only insurance I would use for my pets now and in the future.
5

out of 5

POSTED: | BY: Karla

So Glad I Chose Embrace

I am so glad I chose Embrace. Their customer service is excellent and they make the claim process easy. They keep you updated on your claim and process your claims quickly. Every time I have called, they are friendly and address your questions and concerns. I did research on all the pet insurances and was apprehensive about how the claims process would work for pet insurance if I ever needed to use my plan; but, I couldn't be happier! My dog is like a child, and I am so glad we have Embrace. I will definitely be recommended them to my friends and family.
5

out of 5

POSTED: | BY: Lara Krolczyk

We couldn't do it with out Embrace!

We have four dogs and have been dealing with long-term unemployment and underemployment for years. Embrace has allowed us to remove the financial concerns and simply provide top-level veterinary care for our companions. I can't say enough about this company - the service, attention, communication and reimbursement are all fantastic whether the claim is for $50 or $3,000. I wish my human medical insurance could be this efficient!
5

out of 5

POSTED: | BY: Joe Kolodziej

What a surprise!

When we adopted our new lab Grady last Feb. and decided this time we would look into pet insurance. Our last two labs lived to be 13 & 15 years old, so it was a no brainer. Little did we know that Grady would need emergency surgery last month. He had eaten the cloth sections of a dog toy which had gotten stuck in his stomach, the strings from the toy had entered his intestines and twisted them. I got him to the vet just in time. Embrace was contacted that day and in less than two weeks, today actually, I deposited a check that covered more than half of the bill. I never give my dogs those type of toys but it was a present from a relative. I never thought we'd need insurance but boy are we lucky. Grady is fine and we feel everyone should know how great this company has been.

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 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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