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: Sergio

Excellent and prompt service

My interaction with Embrace has always been very positive. Response to claims has been very timely. Even when claims were not covered, the explanation provided was thorough and informative. Claims were processed quickly, no long waits. I have been happy with the service I have received from Embrace.
5

out of 5

POSTED: | BY: Omar

great service

I enjoy the seamless transition in submitted my claim in Embrace web site
5

out of 5

POSTED: | BY: Kim

Awesome

Great insurance and fast with completing claims. If you have questions the Embrace customer service team is amazing and easy to talk to and very knowledgeable about the insurance that best fits your pet needs. A happy customer I am. I made a great choice to invest in these insurance company for pets .
5

out of 5

POSTED: | BY: Robert

Quick turnaround, to me means, Embrace is responsible and not trying to cheat us! ;)

You guys have been great so far and we would recommend Embrace for sure! Always polite and responsive.
5

out of 5

POSTED: | BY: Scott

Seemed frivolous at first, but did it ever pay off

For the last 13 years I have been the parent to two wonderful mini-schnauzers, Abbey and Holly. My wife insisted we get pet insurance but I was a little skeptical. I suggested putting money away into an account that we could use should our baby girls need it. Naturally, she won. I'm really glad she did. Over the course of our time with Embrace, Holly, our youngest, was diagnosed with an enlarged heart, bad kidneys, and neurological seizures. She had an internal medicine specialist, a neurologist, and a cardiologist. We would travel between three vets often. Abbey is now fighting her second bout of cancer and had a skin condition that no doctor, not even a vet dermatologist, had ever seen before. These veterinary bills have soared to around $40,000 over these 13 years and Embrace has been able to cover a good majority of that. Abbey goes in for surgery to have a lung removed in three weeks to try and beat cancer for a second time, and I'm just lucky Embrace is there to help us do that. These baby girls are our world and we want to do everything we can to make them healthy and happy.
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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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