Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Susan

True to their word

This is our first experience with having pet insurance. So far, we are impressed with their quick response time, professionalism and the fact that they don't make excuses so they don't have to pay on something that they initially said they would pay for. We checked with several vets and they all heartily endorsed Embrace. Never heard anything negative from any of them or their staff.
5

out of 5

POSTED: | BY: Kerri

Happy with my decision

I am pleased so far with my decision on Embrace. I think it is as important to have a good health insurance for your dog as you do for yourself. Hate to say it but I think our pets have better insruance than we do. I entered my first claim with embrace for my dogs wellness appt and two days later I have an email saying my reimbursement is on it's way. Thank you Embrace.
5

out of 5

POSTED: | BY: Lynn

If only medical payments were this good

I'm an insurance broker and it would be great if medical claim processing and reimbursement were like this. We only took the dog in yesterday. We got an email that the claim had been received about the time we got home from the vet and the explanation of benefits came today. Unbelievable!! I am really pleased and can't recommend Embrace pet insurance more highly.
5

out of 5

POSTED: | BY: Katherine

Another Satisfied claim

Our dog Midnight has been through the ringer lately with problem after problem. Our first claim with Embrace went through without a problem and our second one did not disappoint. They are always in contact with you and have results fast. Within 2 days, they let me know the check was in the mail! Great service and would recommend Embrace to anyone and everyone.
5

out of 5

POSTED: | BY: Ilene

Done right by us!

We own a dog grooming shop and have referred your insurance to all of our clients with young dogs. We hope this helps you because you have helped us enormously with our almost 11 month old lab who has had many medical problems (thank goodness all minor) but costly at the same time. We spent a lot of time checking out insurances and felt Embrace was the best. We were right! Thanks so much!
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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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