Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Michelle

smart move

After years of owning dogs and worrying about large vet bills, and whether to go ahead and get this or that treatment option, we finally decided to pay for an insurance plan. I am so glad we did. Our dog had surgery the first year of the plan. We paid our deductible and 20% of the costs, the rest was covered. We saved well over $1000 and had no problems submitting or receiving claims.
5

out of 5

POSTED: | BY: Michelle

Wonderful

I can't say one bad thing about this company.. They always answer my questions and have followed thru right from the start.
5

out of 5

POSTED: | BY: Rosemary

great service

I have been pleased with the benefits offered for the price. I have an older dog and it is nice to know that I can take her to wellness exams and have the insurance cover it. In fact they encourage wellness exams. What is nice is that the Embrace insurance is affordable for an older dog. I had Embrace insurance on my young dog that I lost last summer and it was a comfort to know I could afford to try to save him, and the Embrace folks were so nice when I called about his death. I can't say enough good things about how I was treated and the claim was handled.
5

out of 5

POSTED: | BY: Sarah

kind, caring people, excellent policy options, always timely processing of claims

This company has really impressed our family. We have 2 dogs and they have each had a few unexpected illnesses. Our claims were always handled accurately, the customer service staff is so kind and concerned for your pets' wellbeing. I find their policies to be very affordable and they offer many options to keep coverage within your budget. I am grateful we learned about Embrace Pet Insurance when we did, each of our pets have been covered since they were puppies. I highly recommend pet insurance with Embrace!
5

out of 5

POSTED: | BY: Rich

Highly Recommend - Too Easy

Flawless, seamless and user friendly. I made the claim, submitted the docs, and check arrived in a timely manner. Highly Recommend.
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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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