Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Robin Madison

Good experience

Filed my first claim with Embrace. Small claim, but I was pleased with how easy it was and how quickly the claim was reviewed and approved. Have never worked with a pet insurance company like this - terrific!
5

out of 5

POSTED: | BY: Terri, MA

highly recommend Embrace

We have been with Embrace for several years now and highly recommend them. Their payments have been quick and having a Cavalier that can develop possibly an inherited illness we wanted a company that would cover it if ever needed. Many companies in small print exclude inherited diseases for specific breeds. The staff are wonderful to communicate with and they have been great.
5

out of 5

POSTED: | BY: Bonnie Glasgow

Superior Service !

As a newcomer to pet insurance I am delighted that I chose Embrace. The most surprising attribute is the degree of personal contact they have maintained with me. In this day of impersonal, faceless, nameless organizations constantly finding ways to avoid actual contact i.e. communication with the customer,Embrace is unique for it's availability. Payment is prompt,fair, and oh so helpful. Thank you Embrace. I really feel you are on my,and Omar,and Gotham's side.
5

out of 5

POSTED: | BY: Nancy Wilmoth

Quick service

My first wellness claim was handled quickly and accurately. I'm gonna like this company.
5

out of 5

POSTED: | BY: Devin Washburn

A Lifesaver! Literally!

My 7 month old Golden has a penchant for stuffed animals (or stuffing-less might I add). I fancy myself a good pet parent, but we all know there are always going to be accidents. Embrace covered our claim without ANY questions, problems or loopholes! This past year has been tough on my husband and I financially, and emotionally. We have lost a lot in a few short months. Some of the things we lost were due to people not doing what they were supposed to be doing (our house flooded {with 4 feet of water} due to a negligent developer of a new development behind our house...we lost more than insurance would cover and the developer is bankrupt!). My point is...Embrace has not only held up to their end of our agreement, but they CONSTANTLY check in with us to make sure they are doing what they are supposed to be doing...their e-mails feel personal, not templates with your name on it! You have NO IDEA how nice it is to be able to count on PERFECT STRANGERS...especially when we have been so disappointed by so much lately. I have, and will continue to spread the word to EVERY pet owner I meet! Thanks again Embrace. Keep up the good work! Sincerely, Devin and Jason
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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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