Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: hana

overall good

everybody I spoke on the phone at any given time was very helpful and kind. Originally have been told the claim will take about 2 weeks but recently have been told that there has been a " glitch " and after 27 days am still waiting for the claim to be settled which is rather hard on an oldie like me. but there is still hope and the associates have been most understanding.
5

out of 5

POSTED: | BY: Judith

Embrace is the pet insurance to buy

I chose Embrace Pet Insurance over the others I found because it seemed to be more all inclusive and I found the pricing to be reasonable. I had to make a claim within the first month of service and was very pleased with the amount of time it took and especially the customer service I received.
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.
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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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