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: Amy

Get pet insurance!

Embrace was recommended by a friend whose cat had cancer. I am so grateful I signed up for pet insurance when I did, and should have done so sooner. Embrace has covered almost everything, from cancer treatment (surgery), to a (very expensive) emergency overnight stay at the vet. My only complaint is the pre-existing condition assessment based on some very old issues my cat had when I first adopted him. Otherwise, I’ve been amazed at how easy and quick the claims process has been.
5

out of 5

POSTED: | BY: Deanna

Great job Embrace!

I am new to Embrace and so far I am very satisfied with the turn around of claims and prompt responses to emails. I would recommend them.
5

out of 5

POSTED: | BY: Nuris

I would say that all associates are doing a great job.

CLAIMS ARE EASY TO PROCESS AND THEY ARE VERY FAIR. THANKS.
5

out of 5

POSTED: | BY: Kathy

Well worth it

Well worth it. Affordable peace of mind. It a good feeling to know that you can give your dog the best care and procedures needed without the stress of “how can I afford this”. My dog has used this policy on numerous occasions from ear infections to a surgery and all has been covered 80% after his affordable deductible. I use money I’ve saved for toys and treats
4

out of 5

POSTED: | BY: Cathy

Great Insurance, but rate went way up after using it.

The website is interactive, informative, easy to navigate with fun graphics. My claims were easy to make. I was made aware by email when the claim was received and when it was processed and sent out. I've had a high deductible accident and injury policy for about 3-4 years before making a claim. I made 2 small claims for 2 separate torn toe nail removals. I just received my renewal for next year and the rate went up dramatically.
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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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