Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Debbie

Very personable service.

I am impressed by their claim handling and follow ups. When I submitted claims, they email the status regularly. The emails allow for a reply. I am impressed that Laura Bennett, the co-founder does a follow up and also allows replies. Overall, I feel the company really cares about me and my pup. The "ask a vet service" is wonderful and very responsive. I'm glad I went with Embrace.
5

out of 5

POSTED: | BY: Carly Alderton

Best insurance out there!!!

I've been amazed at how professional and easy this company is to deal with. My rescue puppy has had all the problems a pup can deal with-giardia, coccidia, UTI and Embrace has us covered!!! What peace of mind! I picked them because they are one of the few insurances to cover hip or ligament problems and my dog is a lab mix. But here we are dealing with other issues, and still covered of course! I can't say enough good things about Embrace!!!
5

out of 5

POSTED: | BY: Kathleen

Embrace never disappoints

My French Bulldog celebrated her fifth birthday by acquiring a skin infection around her eye that had not one, not two, but three components (bacteria, yeast and mites). Not surprisingly, this required multiple vet visits and prescriptions. As soon as I started filing claims, Embrace was (as they always have been in the past) prompt and diligent in processing them. I received frequent updates on the status of my claim, including an apology when the processing took longer than they had anticipated, and a full explanation of what my refunds were and why. There were no hassles or second-guessing. My veterinary clinic also loves working with Embrace. Very happy clients all around.
5

out of 5

POSTED: | BY: Barb

Great response-Great coverage

We have had Embrace for our two golden retrievers. We appreciate the ease of communication with them, the fast response time, and they cover what they say they will cover. Period. There have been no glitches, and in every email communication we get from them about a claim, they make us feel that they care about our dog and also about the quality of the service they are providing. Two thumbs up! I hope they continue to deliver excellence service. Our dogs are family!
5

out of 5

POSTED: | BY: Sharon Goodfellow

Nice to have

I like that we have the Wellness plan where we get reimbursed for our yearly meds for Peanut.
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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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