Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Gerianne

Embrace - a compassionate pet insurance provider

Embrace was gentle and compassionate to my needs ✨️. I lost my Lacey in January, and my Gunter in August. Both were senior dogs, and my constant companions. The claims process was very simple. The response was immediate and the claims were processed quickly and efficiently. I highly recommend them. When I find my next furry friend 🧡 i will be sure to have them covered by embrace. The name Embrace, says it all.
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5

out of 5

POSTED: | BY: Carolyn

So easy to work with.

So easy to work with. Quick responses. And the girl I spoke w was very nice and very helpful. My only wish is that I had more coverage for Lacey. Injury was expensive. I’ll have to look into changes on my renewal.
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2

out of 5

POSTED: | BY: customer

Not happy

Not happy. I've submitted a few claims and it seems the only thing that has been semi covered was my dogs spay. I received $250 but I paid that extra. If I wouldn't have , then I wouldn't have even received that. I signed both of my puppies up as soon as we brought them home at 9 weeks. Maybe I should have just saved my money and used it towards vet bills.
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5

out of 5

POSTED: | BY: Christopher

Lightning fast processing time and payment!

I had only had my Embrace insurance for 3 months when my puppy became sick. The medical bills added up to almost $1600. Not only did Embrace cover everything above the deductible, they processed the claim in 90 minutes and paid out in 2 days! Just absolutely excellent!
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5

out of 5

POSTED: | BY: William Poplarchik

Quick response

My claim was handled quickly! My first claim and I was pleased!
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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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