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.
5

out of 5

POSTED: | BY: Debbe Meade

Had other insurance companies but Embrace is the BEST !

This is our third insurance companies and Embrace covers more than those other companies. My poor golden had double knee surgeries when she was a baby and the last instance company wouldn't cover any of the surgery and together that was over $4000.We didn't heist to pay it for our baby.But as long as I have family pets we will be with Embrace that is a Promise too !
5

out of 5

POSTED: | BY: Rachelle DeCoud

Embrace has been a life saver!

I have had multiple pet insurances throughout my dog's life. The past few years we have had Embrace. My dog is almost 13 and she recently started having major heart problems the past few months. Submitting a claim is easy, as my vet keeps a blank claim form and submits it for me after a visit. Embrace is quick to process claims and they have great customer service.
5

out of 5

POSTED: | BY: Thomas j

Quick to respond

Very easy to submit claims, response is also very quick. Love the fact that direct deposit has now been added for claims payments, this makes it much faster to pay off the vet bills. I never have to worry about paperwork, they call the vet and take care of everything.
5

out of 5

POSTED: | BY: Paul Friedman

Retired person

Every time I file a claim with Embrace, it goes so smoothly and so quickly that I wind up saying how much I wish medical insurance for humans could work as well. Embrace is really good.
5

out of 5

POSTED: | BY: Shantel Stewart

A Must Have

I debated for a long time on whether or not getting pet insurance was necessary. I finally took a chance and purchased Embrace Pet Insurance. I read the reviews from other insurance providers and came to the conclusion that Embrace was worth a try. I have now had all 3 of my fur babies insured through Embrace for nearly a year and I must say that it is totally worth it!! Embrace is friendly, fast and worth the cost. I will remain keeping my babies insured through Embrace. I tell my friends and family about it and my father even changed his pet insurance provider just to use Embrace and he too has been very pleased.
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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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