Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Nancy

So glad I bought this insurance

I purchased Embrace Insurance about 2 years ago when we just had one dog. When we adopted our second puppy (a little over a year ago), we added him to the policy. Our younger dog started limping badly and was diagnosed with a torn ACL. He had TPLO surgery to correct it. The claims procedure was straight-forward and easy. When I had a question and called, the REAL person I spoke with was polite and professional. Best of all, the policy paid extremely quickly. Couldn't ask for more!
5

out of 5

POSTED: | BY: Janice

The best

What a wonderful pet insurance company. The reimbursements are always very prompt. I would never own a pet again without Embrace.
5

out of 5

POSTED: | BY: Donna

Quick and efficient process

I never expected this claim to be processed so quickly. I emailed the claim and two days later I received an email saying the claim was approved and in process.
5

out of 5

POSTED: | BY: Nancy

Wellness Claim

What an awesome insurance company. My claims have been handled fast. I also appreciate the way they let you know they have received the claim and it is being reviewed. Then you get an email to let you know the outcome of the claim. Very fast and professional.
5

out of 5

POSTED: | BY: Jill

Think Pet Insurance!

If you are thinking about getting pet insurance for your pet- stop thinking and get it! It is beyond worth it. Embrace is perfect to be able to get the insurance that you want and claims are easily sent in and paid. Just do 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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