Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Shellie

So grateful for excellent health insurance for my dogs and cats

When I rescued my dogs, I decided pet insurance was a smart idea and boy is it ever. Embrace not only covers the major problems that have come up, i.e. ACL repair, cataract surgery. But they also cover well pet visits which include teeth clean. Now my pets can have the very best and my cost is manageable.
5

out of 5

POSTED: | BY: Sam

Hassle free claim handling.

Hassle free and prompt handling of claim.
5

out of 5

POSTED: | BY: Todd

Very Happy with response time and Claim process

I've been an Embrace customer for a little more than 2 years. Unfortunately, my Dog has suffered from some illness which required hospitalization on life-long medication. He has needed some follow up hospital visits on top of his general Wellness protocol. Embrace has been very supportive and detailed in their review and claim payments. Without this policy in effect, i'm not sure that i would have been able to afford the quality care i have received so far and i fear that my little guy would not be alive today. I am grateful to the doctors and Embrace for helping me out through the process.
5

out of 5

POSTED: | BY: Diane

Very fair about reviewing and paying claims.

Embrace is one of the few plans that will let purchase insurance for a older pet. They process claims quickly and fairly. The are very courteous if you need to call.
5

out of 5

POSTED: | BY: Heather

Embrace-- great costumer service and policies

Embrace is so easy to work with. They make the process stress free. I would HIGHLY recommend to anyone researching. I can't imagine not having pet insurance. It is the difference between being able to save your pet or not. Too many pet owners are faced with that decision--can they afford to save them if something tragic happens.
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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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