Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Toni Sudduth

This is very very good so far!

I took out the policy on my two bulldogs last month. Have already had to use the service for a urinary tract infection and for routine heartworm and flea treatment purchase. It has been a pleasure so far working with the Embrace team. I have emailed questions and got very quick responses and they provide great followup. My 6 mo old bulldog is getting spayed tomorrow so we will get a chance to see the service really first hand. But so far very good!
5

out of 5

POSTED: | BY: Lou Baldoff

I am satisfied with Embrace.

My claim was handled very efficiently.
5

out of 5

POSTED: | BY: Catherine Veres

Excellent pet insurance

Our 5 year old dog, Baxter, developed cancer and had several costly, but necessary medical bills. The communication was great, the insurance was exactly as described, and the interaction was highly professional. I would certainly recommend this pet insurance company to others.
5

out of 5

POSTED: | BY: Arnie Sen

Great service and no hassel

I have had a great experience with Embrace so far. They are always responsive and efficient about everything, from easy and clear to read forms to the claims submission process.
5

out of 5

POSTED: | BY: Anna T.

Seamless claims & customer service

I just had my first claim experience with Embrace... What a breeze! Shortly after my vet visit, I received an email telling me when I could expect my reimbursement check and it arrived before the estimated date. I felt very satisfied with this as my first experience with Embrace and would recommend them to others based on their thoroughness & efficiency.
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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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