Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Bonnie

Amazing and Affordable

I've had Embrace coverage for my pooch for several years. She's been healthy, until she tore a tendon in her shoulder. I've never been so thankful to have a safety net to help with the expense for months of treatment and rehab. The premium has remained competitive, claims are easy and paid quickly.
5

out of 5

POSTED: | BY: Robin

Love it!

I knew when I was getting my Labrador Retriever, Archie, that I was going to get pet insurance. After much research I finally decided to use Embrace and I haven’t been disappointed Archie will be 3 in September 2019 and he has been insured as soon as he could get a policy. For Archie’s first year I had the insurance and the wellness plan. I knew for the first year there are so many vet visits, vaccines and such so the wellness plan made sense. After he turned 1 I only kept the insurance and stopped the wellness. When I have expenses the process is quick and easy especially with direct deposit. People ask how much his policy is and they are surprised on how little I pay. Very happy with Embrace!
5

out of 5

POSTED: | BY: maribeth

thank god i invested

I have had Embrace for 2 years and never had to use it until this past month. I am very happy with the service and the ease of processing the claims. I am grateful that it allows me to give my Pup the best possible care without having to worry about the cost. it has given me peace of mind in knowing that i dont have to worry
5

out of 5

POSTED: | BY: Linda

Even Puppies Need Health Insurance

Getting a new puppy is quite an adventure, but I knew one of the things that I must have was health insurance for her. I really didn't think I'd need it for a few years, but then she needed to be seen by a doctor for some stomach issues. I was so pleased with the ease of submitting my claim and getting reimbursed. I would highly recommend Embrace Pet Insurance. I would also highly recommend getting any dog, even a young one, health insurance!
5

out of 5

POSTED: | BY: Michelle

Speedy Claim Processing

Embrace took great care of my little guy when he got pancreatitis. Easy to submit invoices online and my claim was paid a week or so later.
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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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