Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Luv My

Awesome

I have have Embrace insurance for my 4 pups, and Embrace is AMAZING. The provide the BEST CUSTOMER SERVICE, they provide PROMPT CLAIM PROCESSING, they provide SUPERIOR COVERAGE. I will recommend Embrace time and time again. You can't go wrong if you choose Embrace to cover your loved pets.
5

out of 5

POSTED: | BY: Sandee

Great experieces so far!

My Husband and I initially decided not to get puppy insurance but after our first scare one thursday at 10.30pm and a 300 dollar bill from the puppy ER we decided to get Embrace puppy insurance. So far we have had 2 additional claims for the same Gastroenteritis. We have been very pleased with the speed at getting our reimbursement and the ease of filling out and turning in claims. I would highly suggest Embrace.
5

out of 5

POSTED: | BY: Jared M

Simple claim, and no surprises in coverage.

My German Shorthair Pointer is my constant companion and hunting buddy. On a recent out of state hunting trip, she got sick and started throwing up a lot. Fortunately, I had planned ahead and found a good vet in the area, should the need arise. Having Embrace let me focus on getting my dog the medical attention she needed, rather than worry if I was taking her to a covered provider or not. She's back to her normal self now, and getting her claim taken care of was a simple 1 page process. On this one visit, my deductible was met, and Embrace paid their portion of the remainder, as advertised. As a consumer, I can honestly say that I got what I thought I was paying for, and couldn't be happier.
1

out of 5

POSTED: | BY: DeDee Ratiner

All talk NO pay

They paid 5.00 on a 107.00 med bill...i insured WITH spay and neuter now they say i do not have spay and neuter...this insurance is a total ripoff
5

out of 5

POSTED: | BY: marc

wonderful and caring company

2 dogs with mushroom poisoning in which both survived. embrace did what they said they would do on my type of coverage. they cared about my pets and kept me updated as to the progress of my claims. they were helpful during a stressful time. would recommend this company without question.

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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