Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Sandy

satisfied customer

Have dealt with Embrace for 2 dogs now. They always respond in a timely manner keeping me informed of the status of my claim. Submitted a very large claim last year due to my puppy's fatal illness. They paid out the maximum amount allowed, which was in the $10,000++ range and I had only had the insurance for about 6 mos. They sent me a condolence card expressing their sympathy for the loss of my puppy with the check. Now that is very compassionate customer relations in my book, so I have purchased a policy for my new puppy.
5

out of 5

POSTED: | BY: Mary

Fair and Conscientious

I have found Embrace easy to deal with, fair and conscientious. I am not a big go-to-the-vet person, but my hearing assistant dog has had a run of bad luck. I'm glad I opted for insurance.
4

out of 5

POSTED: | BY: Kelly

thank you

Thanks so much for processing our claim, we appreciate it
4

out of 5

POSTED: | BY: Betty

Satisfied customer.

All my claims to date have been covered by the Wellness Package I purchased (checkups & heartworm medication). The claims were handled promptly. This is the first time using pet insurance and I have been very pleased with Embrace.
5

out of 5

POSTED: | BY: Christina

Happy customer

Just reviewed my claim status, and am happy to say my claim was reviewed quickly, and my check is in the mail. Thank you, Embrace for delivering on your promise of excellent customer service :)
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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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