Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Lara Krolczyk

Embrace is honest and responsive

I've filed a few claims now and have never had trouble with hospitalization issues. I watch other dog owners fight with their pet insurance companies so I know what it could be and I greatly appreciate the open way in which they work. The updates as the claim is processed are also greatly appreciated!
5

out of 5

POSTED: | BY: christine rizzieri

I like it.

The only problem I have is that I don't have a problem. They have covered me in the death of 2 pets and in the life of 2 more. I always get offers about other companies which I look into but I have yet to change from embrace.
5

out of 5

POSTED: | BY: Petra Kucharik

I want to be insured at embrace too :)

Second Claim during a moving to CA. Everything went just perfect. Before I even had the chance to call Embrace - to let them know that I haven`t received my check. They called me, send me a new check. What a incredible service.I am very happy that I went to Embrace after comparing about 10 Quotes. I am totally amazed by the professional and friendly costumer support. Thanks Laura and all the others I have talked to in the past.
5

out of 5

POSTED: | BY: louis

excellent and prompt

highly responsivequick simple no nonsense caring and communicative third year with embrace for our dogs
5

out of 5

POSTED: | BY: Jessica R.

The BEST

I was with another pet insurance company a few years ago with our last dog (who has now past on and had a very expensive and difficult passing). The coverage and company back then were terrible and I ended up not keeping it for more than a few months. Nothing was covered, submissions always seemed to be either too expensive or it was pre-existing, breed specific, etc. Anything to not have to pay me. Embrace has been amazing so far. I just got paid my first Wellness claim and it was fast and easy. I feel confident that I will not have to "go it alone" should my precious puppy need anything going forward. It's worth every penny I pay in premiums, even if it's just to avoid the hassle of other companies. Love Love Love 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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