Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Nathan

Simple, speedy, responsive, great.

In the short amount of time I have had embrace, it has been great. My dog had some serious injuries almost immediately after signing up and instead of heckling me to avoid paying out for health care, they were very anxious to ensure I was covered for what was needed. Claims are extremely simple and payout is very fast. Truly a top notch company and business model to ensure customer loyalty and satisfaction.
5

out of 5

POSTED: | BY: Rachel R.

Amazing!

Embrace has been a pleasure and dream to work with. They make insurance so easy and everyone who works for the company has also been great. They give me peace of mind that my dog will be taken care and provide amazing customer service to boot!
5

out of 5

POSTED: | BY: Lada

This insurance really works!

I am so excited to have completed my first claim within two weeks of insuring my furry baby, and the process was truly as promised! Within minutes of my vet faxing the claim and receipt, I got a confirmation email and then a couple more with the status. And my status was 100% reimbursement! It is a relief knowing I have found the right insurance that I can count on :)
5

out of 5

POSTED: | BY: Ken Nanus

Great experience with Embrace

Our beloved golden retriever has a unusual diagnosis of Small Intestinal Bacterial Overgrowth. She takes an antibiotic every day to enable her to digest her food properly. She has been licking herself a bit obsessively lately so she's made several visits the last few months. Embrace has covered all of her expenses without any problems. I wish the health insurance for us was as easy!
5

out of 5

POSTED: | BY: Jan

Fabulous Cares

I have been with Embrace since I brought home my rescue about a year ago. I am no longer afraid of taking him to the vet because I know I will have help with the cost. The people at Embrace are friendly, knowledgeable, and prompt. The claim process is so easy, and I get reimbursed quickly via direct deposit.
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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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