Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Jeff Richman

Fantastic in every way

I can't say enough good things about Embrace: fantastic, responsive customer service; quick processing and payment of claims, easy to reach by phone and online. It's a real pleasure to be an Embrace customer.
5

out of 5

POSTED: | BY: Eve

This insurance is fantastic

My cat has been terribly sick with Triad Syndrome - it's a chronic illness. This insurance has helped me so much. They are prompt, attentive and always helpful. I like the personal emails - so unusual these days.
5

out of 5

POSTED: | BY: Nolini

Easy Breezy reimbursements!

Embrace rocks! We had a different Insurance company with our first dog and it was always a tedious chore trying to collect our claims. They almost always wanted more documentation and found any excuse to deny claims. Embrace is just the opposite! I have policies for both my doggies for the past 5 years and have never had a problem with them!
5

out of 5

POSTED: | BY: Watson

What a Great Company and a Blessing

I recently switched to Embrace for my 5 year old Lab, and not soon after our waiting period he started problems that had him hospitalized for three days. The bills were outrageous!!! In the past I would have never recouped even a 1/3 of what I paid out, but Embrace was GREAT! They paid the claim almost in full without delay and saved my family's holiday season. I have told all of my family and friends about them and will continue to sing their praise.
5

out of 5

POSTED: | BY: Michelle Arnier

Embrace Saved The Day

Duke, our 14 month old Great Dane/Boxer Mix we adopted was in the ER Hospital due to GI issues 3 different times within a 2 1/2 week span. After extensive tests, Duke had ate the covering off a toy and it was stuck in his lower intestine, it passed thankfully. He did not have surgery, but the vet bills accumulated to over $4500. We had just passed our starting coverage period and I was not sure Embrace would come through, but they did with no problems. We are so thankful to have Embrace Insurance, they have been a wonderful company to work with and we are so pleased with there timeliness of response in working claims. HIGHLY RECOMMENDED!

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 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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