Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,679

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: Michelle

Very happy that I chose Embrace Insurance

I started by insuring a dog I adopted from rescue, followed by my cat, and will now be adding yet another newly rescued dog to the policy. I have thus far only used the Wellness Plan reimbursement but I've been grateful for the help with budgeting for regular care. I appreciate the piece of mind in knowing that when my pets need care for accident or illness, they will be covered. The customer service has been great. When I encountered one problem, the employees were diligent about getting things resolved and keeping me in the loop.
5

out of 5

POSTED: | BY: wendy wilde

So thankful that Embrace helped with my huge bill

The claim was handled promptly and my experience with them was terrific and provided me with great relief when my puppy needed emergency surgery after swallowing a large chunk of tennis ball that blocked his small intestine.
5

out of 5

POSTED: | BY: pam

Fast payment and great email updates

Wonderful customer service via email. They follow through every step of the process. Happy with this company. We have been customers for several years
4

out of 5

POSTED: | BY: Mary Ellen

Claim Paid But It Took A While

At 12:15am one night in August, I went to retrieve my 6 year old male cat Misty May from my screened in porch. He struggled, tried to bite me and twisted out of my arms on to the porch floor where he vomited and hunched up in obvious pain and distress. I rushed him to Animal Emergency where he was diagnosed with acute pancreatitis and ileus. He spent two days in the hospital in supportive care. The bill was $2000! I submitted the claims and Embrace did cover the cost less my deductible and 20% co-pay. However I will say it took Embrace more than 6 weeks to reimburse me and multiple emails back and forth. Nonetheless, I was glad I had the policy and do recommend insuring your pet with Embrace.
5

out of 5

POSTED: | BY: Celine Wulms

Best pet insurance by far ***

Our Bernese Mountain dog puppy was diagnosed with ED/ and HD. She needed her Elbow surgery asap as she was still young. Embrace helped us all along the way. We had many questions and each was answered promptly. The surgery was pre-certified in a couple of days and after her surgery we claim was processed very fast. I can't say enough good things about Embrace. This is such a professional but also kind team - they care about our animals as much as we do. Five stars here *****
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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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