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: Dorothy

So easy and fast

Can’t say enough about Embrace. Everyone with a fur baby should have it. Easy to file a claim and quick payment. I could not be happier with my entire experience with Embrace.
5

out of 5

POSTED: | BY: Deborah

Simply the Best!

I have Embrace Pet Insurance since 2009 for both my Golden Retrievers. I switched from another pet insurance because filling out a claim form or receiving reimbursement on covered medical expenses became extremely difficult. I switched both my pets to Embrace and have been extremely pleased. Now when I have to file a claim it is fast and easy. There is constant communication between the Embrace claim staff and myself. Reimbursement is timely, covered medical expenses are paid quickly. I honestly am so pleased and highly recommend Embrace to anyone who has a pet.
5

out of 5

POSTED: | BY: Alla

I am glad I have insurance

Embrace has been great so far. Although many conditions have been excluded as pre-existing, we are still benefiting greatly from this insurance. I am grateful.
5

out of 5

POSTED: | BY: Patricia

Quick, efficient & personal

Our beloved Bengal cat recently died after a short unexpected illness. For eight years our cat was healthy and didn't require any medical treatment other than shots. He started breathing a little harder a couple months ago and within a month his back legs were paralyzed and we had to put him down. He was definitely a huge part of our lives and we miss him so much. Embrace responded immediately to our claims and processed them quickly. We appreciate their kindness during the whole process and will definitely buy another policy when we are ready to get another pet.
5

out of 5

POSTED: | BY: Cinda

Quick Reimbursement

This company reimburses quickly. My claim on 5/27 was settled on 6/1. Check will be here soon!
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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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