Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Lucia

Even handed, compassionate, dependable Embrace.

Embrace, you have been an oasis in the desert to us. We came into pet insurance with four dogs and a cat, armed with the opinion that insurance companies were necessary evils and cold-hearted money grubbing rip-offs. You welcomed us with warmth and a genuine interest in our fur family. In the last 2 years as four of our beloveds have died, you have wept with us, sent us lovely personal cards of support and hope, and truly made us feel like family. And the bottom line is that you recognize animal illness expenses and do not avoid reimbursement, a kindness keenly felt upon the loss of pets. We know some of you by name and consider you friends. Your own pet stories have delighted us even as we shared our own with you. Jay has succumbed to Parkinsons Disease and is now almost totally incapable of functioning; but I know that he wants me to tell you how much our relationship with you has helped and encouraged us. We would recommend you strongly. Please don't let anyone change you. Thanks for offering me a chance to talk about you.
5

out of 5

POSTED: | BY: Hilary

Great experience

Terrific coverage. Our wonderful dog, Max, eats everything. Especially, things he should not. Took a very sick Max to the vet. Many dollars later, he is better. Embrace came through and covered just about the entire bill. The process was very fast. Overall, a great experience.
5

out of 5

POSTED: | BY: Angeles

I am so glad I got health insurance for my dog! You have been so helpful and easy to work with, saving me hundreds of dollars.

Embrace pet insurance has been very responsive and helpful in emergencies and other chronic health issues my dog has just started suffering from.
5

out of 5

POSTED: | BY: james

Prompt accurate processing and payment of all my claims, as a new customer and first time pet insurance person.

actually the title of my claim says all you need to know... from properly uploading my claim documents on Embrace website, and Embrace processing claim and posting payment(via direct deposit) Embrace has average 3 business days. just wow. the number of claims i have filed (have puppy) and the payouts have more then covered the total premiums I have paid thus far. having pet insurance and this stage of my TRIXIES life has helped put me at ease ..knowing i don't have to worry about high vet bills.. Embrace even has a great Wellness feature that pays normal routine costs for an affordable fee..
5

out of 5

POSTED: | BY: John

Service too date has been excellent.

I'd have no issues with recommending Embrace for Pet Insurance.
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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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