Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: Shelley

Care we could not have afforded

Our little girl had many medical issues in her last 2 years. Embrace covered everything. We got our claims covered very quickly, sometimes before our credit card bill came due. We were able to give her specialty care and make her last two years as comfortable as possible with a great quality of life. When we lost her, we received a lovely card from Embrace with no fewer than 8 personalized, hand-written notes of condolence. We feel like part of the Embrace family.
5

out of 5

POSTED: | BY: adan

THANKS FOR YOUR UNDERSTANDING

THANKS FOR YOUR UNDERSTANDING THAT MY PUPPY HAS TRIED TO EAT ANYTHING AND EVERYTHING. YOU MADE IT PAINLESS FOR ME!
5

out of 5

POSTED: | BY: Jen

Thanks

My clIm was processed fast and I received payment a day later. This is why I have insurance. Thank you!
5

out of 5

POSTED: | BY: Wendy

Knowledgeable, patient assistance

We visit dog park daily & I will highly recommend Embrace. I did quite a bit of research and Embrace stood out in multiple ways . No annual claim results in an annual $25.00 deductible, no penalty for senior dogs etc.
5

out of 5

POSTED: | BY: Fred

Wonderful support

After checking on past claims Embrace contacted the vets in question to resolve issues of incomplete documents. They also searched the year in claims to see if any have not been processed. We have a monthly injection that the vet hospital hadn’t faxed in a few times. Embrace called them and got all the info missing so the claims could be processed. They sent me copies of the contacts so we were assured all the outstanding questions were answered. They called us with updates of their progress as they searched down all the missing vet hospital claim forms. Great service ,friendly helpful people .
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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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