Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Katie Anderson

Great Experience with Embrace Pet Insurance!

My dogs have had Embrace Pet Insurance for almost five years. Embrace has great coverage, exemplary customer support and affordable prices. I highly recommend them!
5

out of 5

POSTED: | BY: Robert Carola

Embrace insurance equals peace of mind…

Embrace insurance equals peace of mind that $$ won’t be a factor on whether your pet lives or dies. The folks at embrace care about your pet and that translates to they care about me, when I call one of first questions a rep asks me is how is Georgia my pets name and then go over any questions I may have about a claim or coverage question. When I had question about coverage when Georgia was a puppy the CEO at the time got on the phone with me and walked me through the health certification form they asked me to submit through my pets vet so that coverage would be clear going forward. I have not been disappointed once in 7 years of coverage. The folks at embrace are committed to making Georgia’s health needs an emotional decision not a financial one.
5

out of 5

POSTED: | BY: Joyce Florence

Embrace - Best Pet Insurance

Our Siberian Husky, Kona, has been insured by Embrace since he was eight weeks old in 2013 when we got him. Prior to getting Kona I spent a full day researching and calling, in my opinion, the top 5 pet insurance companies and Embrace came out on top because I like that they have an ANNUAL deductible whereas the others had a per incident deductible, and if you need to take your pet to an emergency hospital as soon as you walk in the door you pay anywhere from $125.00 to $150.00 which Embrace covers along with the treatment your pet receives which the others do not. And, finally, since Kona has quite a few allergies to food and outside influences and that caused and, sometimes, still does ear infections and impacted anal glands we have been to our Veterinarian quite a few times and after I submit the claim within 5 days or sometimes sooner I receive the Explanation Of Benefits of what will be paid and then within a week the money is deposited directly into our bank account. My husband and I both are constantly recommending Embrace to other pet parents.
5

out of 5

POSTED: | BY: Suzy McDougald

CLAIMS

Extremely pleased with the speed and efficiency of the claim process department.
5

out of 5

POSTED: | BY: Virginia Hartman

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.

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 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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