Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Catherine Veres

Excellent pet insurance

Our 5 year old dog, Baxter, developed cancer and had several costly, but necessary medical bills. The communication was great, the insurance was exactly as described, and the interaction was highly professional. I would certainly recommend this pet insurance company to others.
5

out of 5

POSTED: | BY: Arnie Sen

Great service and no hassel

I have had a great experience with Embrace so far. They are always responsive and efficient about everything, from easy and clear to read forms to the claims submission process.
5

out of 5

POSTED: | BY: Anna T.

Seamless claims & customer service

I just had my first claim experience with Embrace... What a breeze! Shortly after my vet visit, I received an email telling me when I could expect my reimbursement check and it arrived before the estimated date. I felt very satisfied with this as my first experience with Embrace and would recommend them to others based on their thoroughness & efficiency.
5

out of 5

POSTED: | BY: Erin

Wellness care

I purchases the optional wellness care plus package for both of my english bulldog puppies. The best thing about Embrace is that they don't dictate what portion of your allowed dollars can be spent on vaccines, heartworm testing, etc. All other companies will only pay out a certain portion of your wellness care dollars based on category, but not EMbrace. If you spend 200$ all on vaccines, they reimburse you 200$. The claim process was rather quick. And I am impressed with the constant communication the company provides me during the claim process. I got every dollar back from wellness checkups thus far without any hitch. Awesome company!
5

out of 5

POSTED: | BY: Barbara Samarati

Incredible Pet Insurance Coverage and Assistance!

Our beloved Chocolate Lab was only 3-1/2 years old when she was diagnosed with a cancerous tumor inside her mouth. We moved on this as quickly as possible and so did Embrace. Every time I sent in a new estimate, they jumped right on it and got us the pre-certification coverage immediately. They were prompt to pay and very courteous and helpful. I highly recommend Embrace. I shopped other pet insurance coverages when out dog was 8 weeks old. Embrace "looked" to be the best. I would never ever have another pet without this coverage. Thank you Embrace!
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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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