Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Lisa Cherego

All I had to worry about was my fur baby, Embrace took care of everything else.

It is extremely stressful and downright terrifying when your fur baby gets sick. Thanks to Embrace, all I had to worry about was my kitty and nursing her back to health. The claims process is painless and fast. I will definitely recommend Embrace to all my pet parent friends. Thanks so my Embrace, Gabby is on the mend!
5

out of 5

POSTED: | BY: Peena

Putting in a medical claim could not be easier! Nd when I call everyone is kind and patient

I am impressed with both medical healthy pet plan and medical care plan ! I have two of my four dogs insured and am very happy that I do !
5

out of 5

POSTED: | BY: Judy borger

Great

Great insurance coverage....friendly service and very helpful.
5

out of 5

POSTED: | BY: Laurie

EMBRACE - Simply the Best!

I am very impressed with Embrace. They are very affordable - yes, the rates increase as the pets age; but still very affordable. I have had accident/illness coverage on my dog since she was about one year of age. She is now eight years old. Without Embrace, I never would have been able to keep up with the vet bills. After my $500 yearly deductible, they have covered everything I submitted at 80% from lab tests, x-rays, prescription medications, surgical procedures, dental work, office visits. etc. For each year you don't get reimbursed for any claims, they put $50 toward your deductible for the next year. I submit my claims online, and their turn-around time is very quick. I have never had a complaint with them in eight years. Also, they dropped some pre-existing conditions after six months. I have friends with pet insurance elsewhere and always hear of their complaints and that other companies will never cover any pre-existing conditions. Embrace has saved me thousands of dollars, and they have saved my pet. I wouldn't go with anyone else, as they are simply the best!! THANK YOU, EMBRACE!
5

out of 5

POSTED: | BY: Vicki Howard

Best pet insurance ever!!

I have been with in brace for several years, and have nothing but good things to say about them. They have always been very fair with every claim we have submitted. This past year we have submitted quite a few, and it has been such a comfort to know that they are there for us.
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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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