Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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.
4

out of 5

POSTED: | BY: Stephanie

mixed review

Generally Embrace is worthwhile; decent coverage; my claim form was noted as received then misplaced by them once; their fax # for sending claims was busy all day yesterday...I will continue using them while noting the + and - as we move along.....there are other companies out there.....
5

out of 5

POSTED: | BY: Jennifer

Best decision ever!!!!

Having pet insurance has been the best decision ever. So far all of my vet well visits have been covered along with our training classes. Such a great experience with their customer service department. Everyone has been extremely knowledgeable and very friendly. It is worth the monthly payment, since I have piece of mind knowing that I am prepared financially to care for our sweet new puppy.
5

out of 5

POSTED: | BY: Gretchen Taute

We love Embrace

When Mollie's behavior went off the chart and she went from being hyperactive and depressed to attacking one of our other kids, we worried that she might have no future. Thankfully we found a vet who knows about behavior and psychological issues and was able to prescribe something for her that actually helps her. We didn't think anyone would cover what seemed to us to be rather obscure treatment and we were unsure how much of this help we could afford. Embrace to the rescue! Mollie's behavior is much improved and we hold a bit of a hope that she can some day begin to enjoy her sister's company again. Thank you Embrace!
5

out of 5

POSTED: | BY: Cathy

Always fast!

We are so pleased with our decision to get Embrace Pet Insurance. It is easy, and we get immediate updates about processing claims and have not had any problems our claims. This has given us have peace of mind having basic care met as well as knowing that if something happens, Embrace is there.
5

out of 5

POSTED: | BY: Jamie Carroll

Great Service

Let me just briefly say that Embrace paid my claim quickly and without hassle. Their prompt and generous payout helped me tremendously to recover from the financial strain I was facing due to the high cost of veterinary care. They have restored my belief in the value of pet insurance!

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 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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