Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Wendy Kelly

Embrace has been by our side

Embrace has been by our side with all the support we could ever ask for after our jack Russell, Bella, was diagnosed with cancer. All the claims have been processed and paid in an extremely timely response. We will always use Embrace in the future and urge all our friends and family to as well.
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5

out of 5

POSTED: | BY: Bertie's Mom

No fuss, No muss!

No fuss, no muss with submitting claims. Resolution is fast and claim paid expeditiously.
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5

out of 5

POSTED: | BY: xxx

The right choice

Embrace is very easy to file a claim with and have always give you a quick response. I feel I made the right choice for pet insurance to help take care of my Boston Terrier.
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5

out of 5

POSTED: | BY: Robert Edmonds

My claim was completed 48 hours after…

My claim was completed 48 hours after it was submitted! Great coverage for my beloved pet! Glad I got it!
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5

out of 5

POSTED: | BY: Camille

Having reviewed insurances 4 years ago…

Having reviewed insurances 4 years ago I was skeptical. You pay monthly and over years it adds up... Boy am I happy that I have reconsidered last year! When I tried it first- I realized rhe HUGE benefit of NO More Worry. I used to panic when the dog chewed up something or had any symptoms looking like bloat (bane of Large-dog owners). Within the first year I thought I had to take her to the ER twice. Though both cases were resolved by my ordinary vet, it was a much less stressful experience - I knew that insurance will take care of it, instead of dreading CC debt. And they did cover both cases. The service was excellent - I emailed a question and shortly got a personalized response. The reimbursememt - swift and there were no forms, I uploaded my invoice and was done.
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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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