Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Shirley

EMBRACE IS TERRIFIC!!!

Embrace has been a lifesaver in helping cover Bandit's normal health expenses. They are prompt in acknowledging acceptance of the insurance form from the vet's office, & even more prompt in covering the claim. So glad I am using this company!!!!
5

out of 5

POSTED: | BY: Kricia

Best pet insurance

My dog has separation anxiety and we take him to the vet several times and spend a lot money in vet bills but embrace pet insurance has cover each bill without problems.
3

out of 5

POSTED: | BY: Joseph

Nice people, great price, will deny the claim for any possible reason

Their staff are incredibly friendly and quite knowledgeable. Their website is easy to navigate. Claims are one page and you can simply fax them in. The problem is that they go out of their way to try and deny claims.
5

out of 5

POSTED: | BY: Chy

A pet insurance company that does what it says it will do, and covers what says it will when you buy it.

Our 11 year old 100% Chihuahua has had some problems lately -- and after my deductible was met -- the claims were taken care of promptly and in accordance with my understanding of the policy. Communication from Embrace was frequent and clear and kept me advised every step of the way.
5

out of 5

POSTED: | BY: Chris

Fantastic company with great online capabilities.

I recommend Embrace to all pet lovers especially those with big dogs. The service reps are knowledgeable and the website is excellent. Great company.
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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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