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: Keri Shepherd

Easiest insurance claim ever

My dog was hospitalized overnight and my bill was about $1500. My vet filed the claim With Embrace and within 10 days I git a check in the mail for about $900. No questions or hassles! Thank you Embrace!!
5

out of 5

POSTED: | BY: Sharon

Embrace has saved me a lot of money

Thank you Embrace, for having such great coverage that affords us to get the care and attention Lilly may need at times. Having Embrace Pet Health Insurance has saved me thousands (literally). Lilly Girl thanks you too!
5

out of 5

POSTED: | BY: Claudia Ionescu

Very happy with Embrace

Great experience. Never had an issue with reimbursements. I had the insurance for over 7 years and unfortunately I had to use it a lot in the last 3. But without it, it would have been impossible to pay for the medical services. Mishi has cancer and thankfully there is treatment available. I would definitely recommend it : great coverage, quick processing time and very reasonable premiums. And their customer service is so nice.
5

out of 5

POSTED: | BY: Beth Poppre

Great Service and Price

We were reluctant to buy pet insurance for a long time because of the cost of premiums. Then a friend told us about Embrace and how happy she has been with their product (she has been a customer for over 5 years). So we bought a premium and it has made a huge difference in our pet care budget and has taken away the worry of expensive vet bills. Our only regret is that we did not buy insurance years ago when 3 of our dogs needed cancer treatment. I asked my employer if they would become a corporate partner with Embrace (no cost to my employer/no payroll deduction) and they agreed. Now I receive a 10% discount and have been telling my pet owning co-workers about the benefits of pet insurance. Thank you Embrace!
5

out of 5

POSTED: | BY: Shasta Raintree

Superb Coverage

Superb coverage, fabulous service and quick response to claims.
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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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