Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Suzanne

Best Insurance

Both of my dogs (A semi-retired Service Dog and a Service Dog In Training) have Embrace insurance. It is so nice to know that Embrace has my back. When my Service Dog started showing signs of having vision issues it was nice to know that he could see his vet and see a dog Ophthalmologist without breaking the bank. Turns out my now semi-retired SD had high eye pressure and three very small cataracts (all in the same eye). With purchasing my new puppy to start training the first thing I did was to purchase insurance for the puppy. With the wellness program I know that my puppy will receive all of her shots, be spayed when it is time and have regular checkups, plus much more. I love it.
5

out of 5

POSTED: | BY: Martha

Recent Claims

Embrace is terrific. We had our first major claim and they handled it professionally and expeditiously. They kept us informed every step of the way, and was our intermediary whenever necessary. It was a painless process!
5

out of 5

POSTED: | BY: Matthew Bielski

Great Service, easy and honest

These guys are great. They are proactive and make the process simple and friendly for getting your claim paid FAST. Zoe is now a healthy dog without a financial burden. Best decision was going with embrace. Never had pet insurance before, but will always use embrace!
5

out of 5

POSTED: | BY: Alice Winfree

Prompt service - wish the deductible were lower

I am very grateful to Embrace Pet Insurance in general - and to the customer-service claims Embracers. Amanda Collins acted so speedily and thoroughly on my most recent illness claim for one of my cats. However, being a lower-income person, a disabled senior, I wish I could afford to have a lower deductible. It's disheartening to have that $500 deductible amount, in terms of some of the ongoing health issues my rescued special-needs kitty is bound to have. That's just my life at this point. But at least the Wellness part of my pet insurance for that same kitty, for special diet food, is a big help throughout the year.
5

out of 5

POSTED: | BY: Judie Rhed

Reliable and Communicative

Real people behind real time reponses to inquiries and claims! I can't be happier with my puppy's insurance coverage with them so far in the past two weeks. They are thorough and professional as well being personable! A real joy to be their customer.
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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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