Embrace | Pet Insurance Review

4.4

out of 5

Number of reviews 19,876

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: Rawson

Terrific Wellness Program

I came to Embrace after a couple of years with another company. I love their wellness program. After several years it still seems too good to be true. Their claim handling process is flawless, and very fast. Will be a customer for years to come.
5

out of 5

POSTED: | BY: Michael

Very Pleased !

Like everyone else who gets pet insurance , we hope we never have to use it . Unfortunately, our puppy needed surgery in his first year of life . Embrace coverage was as advertised ! No surprises and extremely responsive ... Very pleased and we would highly recommend Embrace to everyone .
5

out of 5

POSTED: | BY: Neil

I am satisfied with the, Embrace service.

I have had,the wellness, and accident,Embrace Pet Insurance for several years now. The processing, coverage and staff have been very good.
5

out of 5

POSTED: | BY: Dave

Fast and easy claim settlement.

We've had this pet insurance for years and never had to use it until now. Our dog Deacon had a fatty mass in the arm pit area that was growing quite large. The vet recommended we have it removed because of the location of the mass. The vet submitted all the estimates and Embrace got back to us immediately and covered just about everything. After the test, blood work and procedure we received reimbursement from Embrace very quickly. Very happy. Very impressed.
5

out of 5

POSTED: | BY: Susan

A reliable, awesome company with great communication

Embrace is the best! Fast friendly, dependable service. They do what they promise, and don't find excuses not to pay when you have a claim. They are also excellent at communication. I recommend them to everyone I know! Recently I overheard the vet tech telling a client that one of their other clients uses Embrace, and they love it. I said, that's me! Or maybe it's not just me! Thank you Embrace, for living up to the high recommendations I heard about you.
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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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