Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Donna Dolan

Fat Cat was able to have surgery thanks to Embrace

Fat Cat had a mass in his neck and needed surgery. After the easy Pre-Certification approval, I scheduled the surgery which I could not have afforded without Embrace Pet Insurance. Fat Cat came thru the surgery well and Embrace paid 80% of the cost. Thanks, Embrace.
5

out of 5

POSTED: | BY: B. Clark

Surprisingly Good

Great customer service. Claims paid quickly via direct deposit. Only concern is what premium costs will be at the time of policy renewal.
5

out of 5

POSTED: | BY: Autumn Meadows

Great insurance company!

I couldn't say enough good stuff about Embrace. They have been so great. Answered all my questions. Claims so easy to fill out and submit. Direct deposit into account within couple days. Payment very reasonable on three dogs. Covered very well with coverage that I got to choose. Only had couple months but yet they've covered several hundred dollars already in wellness. Never wanted pet insurance before until I found this company and they have made it so easy for all three of my dogs to stay healthy and taken care of properly.
5

out of 5

POSTED: | BY: Melih Ozalp

Flawless

Embrace insurance has achieved what it has promised to do. Our claim was flawless with our minimum involvement. Information is available via online portal.
5

out of 5

POSTED: | BY: Ruth

Love the wellness coverage. Embrace is very easy to deal with, and Sampson gets the best care

So far we have a healthy boy, but are very happy with prevention and wellness. I don't think many insurance companies offer this. Also, claims are taken care of very fast. Have had other pet insurance previously, and this is the best. Thankyou.
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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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