Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Rachel

Much simpler than I thought! Great surprise!

Getting set up with Embrace was much easier than I was expecting. Embrace worked with my Vet to get all of my dog's information so I didn't have to be the middle man. They also keep me informed whenever they receive one of my claims and the details of the claim - what's covered and why certain things aren't covered. This was a lot simpler than I was expecting and I'm very pleased!
5

out of 5

POSTED: | BY: Cathy

Happy with the experience.

Glad we have insurance. Our original reason for getting it was because of a high energy puppy - we feared the dreaded torn ACL or some other expensive injury. It turned out he had ongoing stomach and GI issues and we struggled for over a year to find the cause. That, plus a strange allergic reaction caused our vet bills to soar this year. Once submitted, they were reviewed quickly and Embrace contacted the vet to get additional information so we didn't have to do anything. Checks were sent promptly upon completion of the claim. The claims staff was friendly and easy to work with - great customer service.
4

out of 5

POSTED: | BY: Malinda

Best decision is having insurance

When large unexpected vet bills happen it's such a relief to have insurance to help cover them.
5

out of 5

POSTED: | BY: fernando

Hit by car, every pet owner needs embrace insuranc

Embrace insurance is a life saver, my poor dog was suffering, and I didn't have to worry about cost. They payed my claim in less than 7 business days. Direct deposit to my account.
5

out of 5

POSTED: | BY: Darlene Redclift

They actually care!!!!

I've dealt with a lot of insurance companies but never one like this!!! The claims are easy to make, processed quickly, and I can understand them. I have never worked with a company that I truly feel they care. And the rates are great. I have recommended them to all my friends.
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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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