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: Jeannine

Embrace is the best pet insurance company around.

I am so grateful for having Embrace pet insurance. Little did I realize my 2 labradors retrievers would have so many problems as puppies. Embrace covered 80% of just about every medical situation my pups encountered. Even the wellness claim coverage is a plus.They have the best customer service and their system is user friendly and easy. Highly recommend!
5

out of 5

POSTED: | BY: Jim

The best!

Never a disappointment and everyone is so caring--it's like they are part of our family.
5

out of 5

POSTED: | BY: Ashley

Quick Reimbursement

We were very impressed with Embrace’s prompt reimbursement of our dog’s pricey insurance bill. We are so grateful that we had Embrace & will be lifelong customers!
4

out of 5

POSTED: | BY: Linda

Coverage for neuter

Easy to work with...email them your info with receipts and claim from Vet and they send you a check.
5

out of 5

POSTED: | BY: Andrew

Claims were smooth, prompt

Our Bernese eats everything....including the neighbors plush, stuffed toy! We had to take her in for emergency gastric foreign body removal. The hospital visits were stressful, as was the final bill. The Embrace claims dept. was prompt, paid claims as advertised with no hassles and had the check out to us promptly. Had the surgery charges paid off the credit card in the same billing cycle. So far so good with Embrace!
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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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