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: Katie

Multiple Claims, Excellent Service

Our over-eager golden retriever had a tough month in June - shattered toetail, giardia, and sprained ankle within weeks. Embrace was so easy to deal with during the claims process. They kept us informed at all points in the process and reimbursed us exactly as promised. My questions were answered quickly, by a real person. After this experience, I've already recommended them to many of my friends.
5

out of 5

POSTED: | BY: Pam Coomes

I LOVE Embrace Pet Insurance

Nothing but great things to say about Embrace. The 100% refund from my babies wellness exam was not expected. I tell everyone with pets about Embrace. Getting reimbured is so easy. It's the smartest thing I have done for my wonderful Boxer babies.
5

out of 5

POSTED: | BY: Franco

Top Notch

I cannot say enough good things about embrace ... they handled my claims with professionalism with constant reminders that the claims are being reviewed and even processed them quicker than my own medical insurance plan.. I would recommend embrace to any pet owner..
4

out of 5

POSTED: | BY: Laura Harvey

Great communication

I really appreciated how they would keep me updated on the progress of the claim, helpful to know where it was in the review.
5

out of 5

POSTED: | BY: Rachel

Great company!

The customer service is excellent, there is always someone available to answer my questions. I get timely responses and everyone is super nice. Luckily we haven't needed the accident coverage yet, but the wellness rewards pay off each year! Both of our dogs are covered and it's worth it for the peace of mind if anything serious were to ever happen.
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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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