Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Sheila Nashofer

Excellent Communication through Embrace

I am always amazed at how efficient and helpful the Embrace staff are. They make the insurance process so easy! I would recommend them highly.
5

out of 5

POSTED: | BY: Tama

Excellent and quick turn around

I made the switch from another pet insurance once I read everything that Embrace covered. I recently turned in a voucher after leaving it sit on my desk for a few months, no problem with Embrace and they quickly sent me a check. Very easy...
4

out of 5

POSTED: | BY: Nicole

Very easy and straight forward.

So far I have been very please with Embrace. The claims are simple to fill out and they get reimbursed pretty fast. I have 24hr pet watch for my other two dogs and hands down this is much better! I do wish they had an email address to submit claims to though.
5

out of 5

POSTED: | BY: Nancy G.

Excellent Pet Insurance

Let me first say that having this pet insurance is worth it. We get back alot of what we put in per pet - in wellness "dollars" (shots, Trifexis heartworm and flea meds etc.) We have two Welsh Corgis and since we got them as puppies over two years ago we have purchased Embrace Insurance. They are now going on three years old. Embrace has been great and they have never questioned a claim and have always paid out on time. Our male Corgi never got sick last year so they added a $50 credit to his deductible. Then a month or so ago he tore his ACL (major knee surgery.) He had the surgery Feb. 6th and Embrace has already sent me the check to reimburse (week of Feb 17). They are great and I highly recommend them.
5

out of 5

POSTED: | BY: Lyn B.

Highly medicated dogs- thankful for Embrace

We treated a dog for lymphoma with 2.5 rounds of chemo- w/o insurance. That cost us an arm and a leg. After that, we decided to get insurance for any future dogs. Luckily we did since our 9yo lab/chow mix was diagnosed with hip dysplasia which requires daily oral meds and monthly injectables and our boxer mix with hip dysplasia, incontinence and gingival hyperplasia. We are so thankful for the staff at Embrace and the benefits they offer. Whenever I go to the dog park (especially when I see puppies) I always suggest looking into Embrace.
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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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