Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Joanne

Fast, responsive, dependable.

I have used 3 pet ovsurance companies over the past 25 years. I have found Embrace to be the best. Premiums are reasonable. Coverage is excellent. Claims are responded to in record time. This recent episode was one week response time. I am very happy with Embrace’s service —-and tell everyone!
5

out of 5

POSTED: | BY: Krista

They are very helpful, totally worth getting!

Can’t even begin to think how much money has been put into my girl! We would be hurting if we didn’t have Embrace insurance!
4

out of 5

POSTED: | BY: Don

Accupuncture

Joey , 13 , lost most of use of his back legs . Severe arthritis looked for us to make hard decisions. Tried accupuncture with real good results and found this to be covered. Once we got paperwork set up it has been pretty easy to make claim. Steep increase in coverage has me concerned lately.
5

out of 5

POSTED: | BY: Shirley

So glad I was told about Embrace Insurance, it's been a lifesaver!!!

Since I was told about Embrace Insurance 3 years ago, I have been completely satisfied with their coverage & promptness of covering claims. Thank you for being an honorable insurance company.
5

out of 5

POSTED: | BY: Doris

The best, no hassle, fast processing, great customer service.

Absolutely. I submitted my last claim on Monday and today, Friday, my refund has been issued.
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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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