Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: basia aemwnta

Best insurance decision I ever made

I purchased embrace insurance for both of my pets just in case of a major medical need hoping that I will never have to use it. My cat broke his paw that cost a few thousands of dollars in surgical/medical bills. Embrace payed 90% of my bills and they did it really, really fast. I am so grateful and happy that I chose embrace.
5

out of 5

POSTED: | BY: Dienah Thompson

Claims experience overall has been great!

Claims experience overall has been great! They processed my claim quickly and efficiently and when I e-mailed for add'l support, they were quick to respond!
5

out of 5

POSTED: | BY: Charlotte Hankus

A Total and Caring Insurance for our fur babies

Embrace Per Isurance does as the name implies they embrace you and your pets for the coverage needed. To apply for the coverage is easy to understand and a prompt response is received. Reimbursement is efficient and answers needed by Embrace are thoughtfully asked. Providers are supportive to help with submitting the claim forms! Thank you Embrace
5

out of 5

POSTED: | BY: Sally Howe

Peace of Mind

Kirby injured his eye and after many attempts to save it the eye had to be removed. Embrace, in cooperation with the vet and hospital, paid them directly. Our out of pocket expense was the deductible only. Embrace staff was wonderful to deal with.
5

out of 5

POSTED: | BY: Don Saunders

Great help to me while filing a claim.

Embrace was very helpful to me in filing a claim. I had never done a claim before and they walked me through it and sent a check within a weeks time. I was impressed.
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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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