Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Susan

This insurance really has been a god-send for me and Zeus...

My 13 and 1/2 year old cat developed a serious bowel disorder, the treatment of which cost me over $6000. I insured him roughly 6 months before he developed this problem and paid $58 per month. Without any arguing about the bills, I was reimbursed for 90% of this cost, including medicines, which are expensive. He is now doing much better and it is such a relief to me...
5

out of 5

POSTED: | BY: Debbie

Appointment today, email same day from Embrace that my claim has been covered!

Puppy needed her prescription dog food, heartworm and flea/tick meds. Stopped in this afternoon to pick it up and 3 hrs later I get an email from Embrace letting me know my claim has been covered.
5

out of 5

POSTED: | BY: Stan

Very helpful when filing our claim and payment was very fast.

Embrace's customer service was very kind and helpful when we filed our claim, assuring that we received the maximum benefit. They also kept us informed every step of the way. I wish my own health insurance was this good.
5

out of 5

POSTED: | BY: Nick

So accommodating and friendly

Embrace is the best and totally understanding and helpful. They were willing to work with me to get a claim processed in an expedient manner before I went on a trip
5

out of 5

POSTED: | BY: Zoe

Contented customer

I have been with Embrace since I arrived in the US in 2013. I am fortunate to have had a fairly healthy dog until recently. All claims that I have submitted have been processed as expected, with a prompt response time and customer service.
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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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