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: Minerva

Very Satisfied

My experienced with Embrace has been great! I have 3 pet dogs that Embrace health insurance has service within the past 2 years. I am very grateful for the Company helpful services. I look forward for another year with Embrace!
5

out of 5

POSTED: | BY: Nina

10 years of Embrace Coverage has been well worth it

Both of my 10 year old dogs have been covered by Embrace since they were only a few months old. We have now used coverage for both of them, and the process today has been as easy as it was 9 years ago when we first needed it. The staff are always helpful and responsive, whether on the phone or via email. The documentation process is simple, just be sure to ask for an itemized break down of your vet visit that might be submitted. I have always recommended Embrace, from when we lived just around the corner from their office, to when we lived in Baltimore, to now while we're in Denver. Thank you for making such difficult times a little easier!
5

out of 5

POSTED: | BY: Alexis

Claims

Since I bought my puppy without any papers I had to get all of his shots. With the wellness plan I was able to be reimbursed for everything. Very fast process and they responded so quickly.
5

out of 5

POSTED: | BY: Mildred

Wonderful company

I have been with Embrace since my two cats were kittens, coming up on 5 years. They have been great. They correspond and process your claim(s) fast. I've been telling my friends about them.
5

out of 5

POSTED: | BY: patricia

Amazing ins company!!!

Once again, submitted a claim, once again an immediate and friendly response and fast turn around with reimbursing us. I wish our human insurance was half as good!! :)
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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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