Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Ellen

Truly an Embracing insurance company

My cats have been insured with Embrace for 3 years. Unfortunately one of my cats developed lymphoma. Embrace processed every single claim in a timely manner always enclosing a detailed EOB and a personal note. My other cat Jasper without warning collapsed and it turned out he had an inoperable mass and had to be put down. The diagnostics and hospital bill was steep and Embrace quickly processed the claim and the adjuster enclosed a warm note of condolence which touched our family. A great company with fair rates.
5

out of 5

POSTED: | BY: Scott

Great company for Pet Insurance

Great company to deal with, I’ve had others but Embrace is far the best
5

out of 5

POSTED: | BY: rosemary

great savings

we had a young dog diagnosed with cancer this has allowed us to cover chemo without going into debt
5

out of 5

POSTED: | BY: Jeanne

Best pet insurance!

I did a lot of research before I purchased pet insurance for my 3 cats. I chose Embrace for several reasons. One was that you can design your own policy - how much insurance you want for each cat, how much co-pay, what % pay out, etc. I had an older cat that had never had any health problems, so got a lot less insurance for her. I had 2 new kittens so I got much more for them. Good thing I did! One of them has had nothing but problems from day one - parasites, pneumonia, chronic bronchitis, ringworm, enlarged heart, you name it. I have submitted so many claims for his care and they have been paid promptly. I would have gone bankrupt had I not had this great plan for him. The customer service has always been splendid. I highly recommend them.
5

out of 5

POSTED: | BY: Irma

Excellent service

I refer your company to everyone I know who have animals. I’m completely satisfied with your service. You have been with me through many emergencies. I thank God for you every time I look at my fur babies.

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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