Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Ana Schulz

Highly recommend Embrace!

I purchased the policy because in the past, I have endured having to lose a beloved pet due to lack of funds for an expensive treatment. When I rescued Scooby I decided to give this a try. I researched and decided on Embrace because of the favorable reviews. Along with major medical, I purchased a wellness rider and I have to say that I am thoroughly impressed with the service, the courteousness of the representatives and the efficiency of the entire process. Payment was promptly and accurately rendered. Follow-up was also prompt and greatly appreciated. I will definitely recommend Embrace and in fact, have already informed my vet that I was extremely pleased and would they recommend Embrace to their clients. Thank you!
5

out of 5

POSTED: | BY: AJ HARPER

Personable service

I switched from another pet insurance which sold out several times. Although they seemed "functional" they never provided the personable service I have received to date. The claims are handled very quickly and the e-mail conversations are wonderful. Very detailed and again, personable. They really seem to care how both you and your pet are doing. I love them, so does Pearl and Shiner, they say "thanks".
5

out of 5

POSTED: | BY: Helen

Can't say enough good things about Embrace!

Our rottie was diagnosed with severe hip dyslasia before his first birthday earlier this year. He had his first surgery in May and the second one just last week. Both times, working with Embrace Pet Insurance has been such a smooth and easy process. Embrace and the fantastic people who work there, made everything simple not only for us, but our vet's office as well. I really cannot say enough good things about them and am grateful that of all of the insurance companies out there, we chose Embrace.
5

out of 5

POSTED: | BY: Yana

Great policies and easy claims

I just had my first experience with submitting a claim to Embrace; It was very painless and smooth.The claim form is as simple as it can be; They kept in touch throughout the process and kept me informed of what was going on (and were very nice); When they processed the claim, I got an email detailing exactly what they will reimburse and why, so I knew even before I got the check in the mail.
5

out of 5

POSTED: | BY: Sam

Best Pet Insurance Company Around

We have had embrace for almost a year and within this year our puppy has gotten sick and even been hospitalized for ingesting a toxin. Embrace has been prompt with every single claim and keeps us informed and never hesitates to answer our questions. Human health insurance companies could truly learn something from Embrace.

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 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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