Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Patty C.

Quick Turn Around on Claim

Having had other pet insurance (about which I have no reason to complain), I was amazed by the quick turn around on our recent claim. The claim was detailed and precise - very easy to understand. I guess I just didn't know what I was missing! Thank you!
5

out of 5

POSTED: | BY: Kris Van

Embrace Rocks!!!

This is our second experience with a pet insurance company and I'd have to say we are extremely happy. At four months of age, our Greater Swiss Mountain Dog was diagnosed with an extremely rare type of muscle cancer. Embrace has been excellent to work with. All of our claims were processed efficiently. Additionally, all of my phone communications with the staff has been pleasant and professional. Finally, although our puppy didn't live past eight months, having Embrace allowed us to do everything we could to try to save her life. When our next puppy arrives, we will be using Embrace, again.
5

out of 5

POSTED: | BY: Emily Giron

Great experience

My mini schnauzer had a bout of pancreatitis and Embrace took care of the claim right away. They also provided great follpw up... Always letting me know of the status of the claim
2

out of 5

POSTED: | BY: T. Garcia

Claim Reimbursement

My claim was not handled in a timelt manner and was well outside the advertised 15 business days.
5

out of 5

POSTED: | BY: Carl Grifalconi

Great experience with Embrace

I'm just about to add Embrace coverage for my new puppy and realized that this will be the fifth dog I've ensured with Embrace. They're a great company to deal with! I've never had a single problem with any claim. They've been super responsive, and a pleasure to deal with. We have been through some really difficult medical problems with one of our dogs, and Embrace was really wonderful to deal with. I recommend Embrace to everyone I know who has pets!
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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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