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: Shannon

Excellent

I couldn't be happier with Embrace. I originally had 2 cats on the policy, and one passed away this September. Everything was handled very professionally, and I was very impressed and appreciative when I received a sympathy card from Embrace when Bonnie passed. I would recommend Embrace to anyone. Thank you!
5

out of 5

POSTED: | BY: Douglas

Claims

Fantastic customer service and expeditious reviews of multiple claims
5

out of 5

POSTED: | BY: Abby

Wonderful Experience

I am beyond impressed! My dog got sick and I had to make a claim...in less than 48 hours I received a message letting me know the details of the coverage. Every time I have called Embrace, I have received the most wonderful and professional customer service. Too bad they don't cover humans because I would definitely enroll with them. :)
5

out of 5

POSTED: | BY: Lynda

Thank You Embrace!

I always considered pet insurance to be too expensive and not worth the expense. Then my sister's dog had to have emergency surgery for an obstruction and the bill was huge. I started researching all the pet insurance companies just to get an idea of cost and what they cover, and realized it would take a few years of monthly payments to equal my sister's Vet bill! Embrace is considered one of the top companies but it is one of the very few that also covers wellness expenses, and that was most important to me. A company that will help you keep your pet healthy has to be good! I have had two claims so far and Embrace has settled them both quickly and professionally. They always let me know what they are doing, and why, and are more than happy to answer any questions. I just am so very happy with them and wish I had decided to join them years sooner!
5

out of 5

POSTED: | BY: Vickie

Peace of mind for our furry kid!

Three years ago, I lost my Collie Lilly to cancer in her spine. Within 6 months I lost my cat Felix to a brain/nerve disorder. It was both heartbreaking and expensive. I never want to worry about money versus treatment so I purchased Embrace pet insurance for Jenny the Collie. She has been healthy all her life, but just a few months ago was diagnosed with Sterile Nodular Panniculitis, a rare condition. With Embrace pet insurance, I was able to visit the University of Minnesota for expert care. Jenny is responding to medication and I am a very happy Mom!
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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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