Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Paulo Nery

Embrace is an excellent pet insurance company

Our beautiful Great Dane Joya Bella underwent 3 major surgeries and a series of medical treatments. Embrace was there to help us and reimbursed for our expenses very expeditiously. We are very pleased with the help all the Embrace personnel gave us during Joya's illness.P.S.Nery
5

out of 5

POSTED: | BY: Marina Choi

excellent service very professional

I have always reccommend Embrace in its exceptional service highly, all of which have made my life easier to face my pet health needs. Very happy with Embrace and its attentive team!
5

out of 5

POSTED: | BY: Pat Spear

Very pleased with the prompt service

We are very pleased with the prompt service and the processing of Abby's two claims. Received our checks in approximately 10 days from when claims were processed.
5

out of 5

POSTED: | BY: John

Weim general illness

Embrace has been a great tool during the first few years of raising our 2 yr old Weim. From skin issues to general illness, all of the claims we've submitted that are covered under our policy, have been handled accurately and professionally. Plus, any reimbursements have been paid promptly. I would definitely suggest Embrace to anyone who asks.
5

out of 5

POSTED: | BY: Rena Palloff

We love Embrace!

Our Portuguese Water Dog is almost 2 and has had Giardia 5 times. She's also gotten a foxtail in her paw and was attacked by a cat (of all things!), which resulted in a couple of expensive visits to the emergency vet. We're thrilled that we have Embrace coverage. The customer service is friendly and excellent. They always send an email to give us an estimate of when we'll hear from them on the claim and we always know what has been reimbursed. We don't have drug coverage, but beyond that, everything has been reimbursed at the 90% rate we chose. We couldn't be happier with our choice of Embrace for pet insurance!
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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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