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: Lumina

Excellent insurance

I have been using Embrace for several years. They have been prompt and have covered their portion of my dogs bills without problems. Rosie had a mast cell tumor which was removed and has follow up checkups. She is also and older dog with some mobility problems which I am having treated. Embrace is an excellent insurance company!
5

out of 5

POSTED: | BY: Catherine

Embrace is a wonderful company

Embrace is a wonderful company. We made a claim for our dog when she had minor surgery to remove a broken and torn toenail. The claim form process was simple and fast. We received progress reports from Embrace when they received, processed and sent out the claim check. The whole process took a couple of weeks from beginning to end. We are very satisfied.
5

out of 5

POSTED: | BY: Joe

Great Service

I have been a customer of Embrace for 6 years now. The wellness visit reimbursements are always handled very quickly! In addition, my Bernese Mountain dog had an expensive elbow issue that was promptly and fairly covered. When he became ill at the end of his life, all those bills for x-rays and testing were also promptly covered. I can not say enough good about their service and caring. I remain a customer with my current two Bernese mountain dogs. Highly recommend.
5

out of 5

POSTED: | BY: Virginia

Had several claims for the same injury…

Had several claims for the same injury of our dog as it took a while to heal. Embrace responded quickly to them and sent me the money for each claim in quick fashion which I very much appreciated. Thanks.
5

out of 5

POSTED: | BY: Suzy

CLAIMS

Extremely pleased with the speed and efficiency of the claim process department.
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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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