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: Beverly

Continually are ontop of sending emails on coverage...Fabulous coverage!

I have had my dog Bella for 5 years now. I have had absolutely no problems with submitting the VET bills to Embrace ! They are wonderful !!
5

out of 5

POSTED: | BY: Gene

Wonderful

Very happy with embrace. Always answers my questions in a timely matter and very satisfied with the insurance for my dog
5

out of 5

POSTED: | BY: Miriam

I am so impressed with the level of customer service.

My cat started vomiting bloody liquid on Christmas Eve, I had to take her to the emergency veterinary hospital. Fortunately I was able to bring her home on Christmas Day evening. I submitted the claim for treatment to Embrace on 01/07/2019 and to my delight I just received a message that the check has been cut on 01/17/2019. This a level of service that is over and above anything I have experienced before! Thank you Embrace.
5

out of 5

POSTED: | BY: Lisa

So glad we have embrace!!!

Very happy my Vet recommended Embrace!!! Their office submits the claims and it’s very convenient and easy!!!
5

out of 5

POSTED: | BY: Stacia

Outstanding coverage and fast returns!

I got this insurance before we brought our puppy home. We had one time when our dog was very sick and required extensive treatment for four months, daily trips to our vet and ran into the thousands of dollars. Embrace covered 80% of everything, no problems. Now, two and a half years later, she has a knee ligament injury and they are covering the custom brace, the special acupuncture treatments. We are going to be getting another Mastiff and will get Embrace coverage for that one as well!
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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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