Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Joyce Hough

So far I’ve had great experiences with…

So far I’ve had great experiences with Embrace pet insurance. They are prompt and I’ve been reimbursed with every claim that has been made on my dog . It gives me much relief knowing my dog has insurance for all the unexpected things that could come up. It’s worth every penny! Very happy customer!
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5

out of 5

POSTED: | BY: J Lee

Very easy process

Very easy process! Hope my claim is quick.
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5

out of 5

POSTED: | BY: Chelsea Scott

An insurance company who truly cares about its clients.

I do not usually write reviews, but this time I believe Embrace deserves the recognition. I have been a user with all of my three dogs (now two). When I notified Embrace about the passing of my little baby, they were so supportive and helpful with all the final claims and adjustments. A few days later, I received a condolence card signed which I never expected to receive. I am very happy and glad to have chosen Embrace to be in my corner for my pets. Everyone I have talked to has been incredibly helpful and I cannot express my gratitude to this company and employees for being supportive in the moment I needed the most.
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5

out of 5

POSTED: | BY: Camela Williams

I recently lost my boxer due to illness…

I recently lost my boxer due to illness and I called to have him removed from my insurance plan. Customer service was very compassionate and empathetic towards me, they ensured that I didn’t have any outstanding claims. Top notch service indeed!
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5

out of 5

POSTED: | BY: Jen Wilger

Submitting claims is easy and fast on…

Submitting claims is easy and fast on the Embrace website. We have a "frequent flyer" - a pet with multiple health issues, and several providers. Thank you for making it easy to get reimbursed!
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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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