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: Geoffrey

We are SOOOO smart!!

One of our 2 dogs became very ill caused by a raging virus while we were on vacation. At our local animal hospital, he was diagnosed and treated. He needed surgery, which kept in the hospital for several days. Follow-up care, including pricey antibiotics, lasted almost 4 weeks. Embrace promptly processed and paid it's share of the bills, which ran to about $5,500. We were so smart to have bought this insurance for the dogs when they were puppies. I hope everyone is a smart as we are.
5

out of 5

POSTED: | BY: Ilene

Well worth the premiums

We have had Embrace pet insurance for two years. The first year Joey developed a seizure disorder and once I hit my deductible I received my reimbursements very quickly. This year he had surgery on his tail and an allergy flare-up, and once again, our claims were quickly settled. It's easy to file a claim online by uploading your paperwork and in less than 10 days we typically have payment to our checking account. We are very, very happy with their services.
5

out of 5

POSTED: | BY: Tiffany

i would be mortgaging my house if it weren't for you!

Thank you for being such an awesome insurance company. I'm glad I researched so much because my policy is awesome and prevented me from being broke or having to put my dog down. She's had an autoimmune disorder for 2 years but is holding steady thanks to expensive treatments and ongoing testing!
5

out of 5

POSTED: | BY: Jan

Claims are processed in a timely manner

Very pleased, and great service
5

out of 5

POSTED: | BY: Jodi

This site is easy to use and your response has been timely.

I am very pleased by the timely response I have received.It a great feeling knowing if my pet has a accident I can afford to give her the care she needs. Thanks again!
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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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