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: John Safin

EXCELLENT SERVICE AND CUSTOMER SERVICE IS TOPS

THE EMBRACERS ARE VERY HELPFUL, NOT AS TYPICAL INSURANCES ADJUSTER LOOKING FOR LOOP-HOLDS, SO AS TO NOT HAVE TO PAY A CLAIM. i HAVE HAD A FEW CLAIMS WITH CASSIE, MY 1 YR OLD ST BERNARD. TH REFUND WENT DIRECTLY TO MY BANK ACCOUNT. THANKS AGAIN FOR BEING THERE.
5

out of 5

POSTED: | BY: Lisa Kwiatkowski

There are not enough words to express my gratitude to the staff at Embrace

The staff at Embrace is wonderful, not to mention the benefits are as well. I decided to get pet insurance for my girls after a long costly battle with kidney failure in my lab. Not in a million years did I think I would need it as soon as I did.. my golden retriever was diagnosed with lymphoma 7 months after my lab passed. The staff was so helpful and sent kind messages to me when processing Nyla's claims. Not even two years later and two rounds of chemo, which was covered, my Nyla had to be put to rest. I sent the last of her claims this week. With every confirmation email of receipt, I received a personal message from the processors. Embrace also lit a candle in Nyla's memory it had been very hard but Embrace has made it much easier on me. Thanks so much Embrace! I recommend you to all my friends with pets.
5

out of 5

POSTED: | BY: Selbach Linda

Staff is very pleasant and easy to work with. Coverage has never disappointed, especially in the wellness area.

I will renew again this year.
5

out of 5

POSTED: | BY: Wayne

I’m Riverdancing across the floor!

We are so happy to be part of the Embrace Pet Insurance family! We’ve made several claims for our 1 yo Golden. The reviews from others helped us in our decision. We looked at at least 5 other plans in our process. The Wellness plan tipped the scale!
5

out of 5

POSTED: | BY: Kimberly Kemmerer

Embrace is the Best

When we purchased our puppy, we knew we wanted to get pet insurance. I did my homework on many different companies and plans. Embrace company is excellent. When I turn in a claim, I get emails that it has been received, claim has been taken care of, and I get my check pretty quickly. I purchased wellness as part of the plan. Best money I ever spent. Entire spaying of my puppy was covered.
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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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