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: henry st

If you want pet insurance, before you buy one, CHECK with EMBRACE !!!!!!!!!

Embrace is prompt, very friendly and provides quick service for all claims, and have been very fair with me !!!!
5

out of 5

POSTED: | BY: Michelle

Two thumbs up!!!

Quick, easy and reliable! Great customer service and very organized! I love having my baby covered by Embrace!!
5

out of 5

POSTED: | BY: Kathi Greyhosky

Grateful Dog Parent

Have been insured for more than ten years. In the last few my Yorkie has a several medical emergencies. My claims are quickly processed and paid. So grateful for this service and frequently asked other dog owners if they are insured if the topic of health arises because I believe it is an important part of pet ownership. I recently needed to call about an issue accessing for account online and the woman I spoke to couldn’t have been nicer. So high marks from thus far. I am an ambassador ( non-compensated) for Embrace because of the service they provide.
5

out of 5

POSTED: | BY: Bev Horner

Can’t say enough positive things about Embrace!

Very easy to submit claims, quick response and payment. Very knowledgeable folks and very helpful. Have sent several claims over the year.
5

out of 5

POSTED: | BY: Karen Carafoli

Expect the unexpected!

We had just had our wellness visit for our 2 yo golden. Everything seemed perfect until we showed the vet what looked like a small pimple. He aspirated it and it was a mast cell tumor! She had surgery the next week. In two weeks both the wellness and surgical claim were paid by Embrace. We are so thankful our pet has insurance because you always need to expect the unexpected!
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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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