Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Kathleen

Couldn't do without EMBRACE insurance

A very decent and reputable company. Fast reimbursement, paper work is not burdensome, and if your dog needs an expensive operation, a lifesaver. I have insured two dogs, and will add any new dog that comes into my life.
5

out of 5

POSTED: | BY: Kevin

Embrace did a great job

My experience with claim filing was excellent. Embrace processed the claims very quickly and when complete my reimbursement went directly in my bank. Never had a single issue during the whole process.
5

out of 5

POSTED: | BY: Elizabeth

Best decision!

So glad I have this insurance on my pets!
5

out of 5

POSTED: | BY: Dr

Wonderful experience

Rapid pay for Wellness claims! I am very pleased with Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Marcie

Peace of Mind & Great Customer Service

We have had our 2 kitties with Embrace for over 8 years now and they have always been great to work with . One of our kitties recently had to be admitted to the hospital after 2 days of vomiting. He is now home, eating well and happy. The hospital faxed the claim and Embrace notified us quickly that the claim was covered. We had just moved and Embrace's customer service was wonderful when I called to confirm the reimbursement check would come to our new home. Definitely recommend Embrace for the peace of mind of knowing you can focus on caring for your babies when they need it.
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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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