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: Jody Sanford

I'm really impressed with how quickly they process claims!

We've never had pet insurance before. However, when we brought Gus home as a puppy, we thought insurance might be a good idea for a purebred dog and a breed susceptible to some genetic disorders. We went several years using only the wellness benefit, which is awesome! Then, last summer, Gus injured his leg and tore a tendon and CCL in one of his hind legs. He needed a costly orthopedic repair. Having pet insurance allowed us to make the best decision for our family member without cost being a determining factor. I've been really impressed with how quickly Embrace has processed our claims. Now our little fella is well on his way regaining normal use of his leg.
5

out of 5

POSTED: | BY: Larry Scoggins

Embrace response to Annie's medical care is better than I could have dreamed!!

I really appreciate the prompt response to claims.
5

out of 5

POSTED: | BY: Larry Smith

They are the best.

If you are thinking about getting pet insurance go with Embrace. They are the best.
5

out of 5

POSTED: | BY: Monica Lynn

Embrace Comes Through Again!

I have had Embrace pet insurance since my labs were young. They have consistently come through for our family in a timely fashion. After my Gracie suffered a spinal stroke in 2012, it required months of intensive surgery, and Embrace lived up to their claims and covered exactly what they promised to. I am impressed with the timeliness of their reimbursements and their level of kind communication. They are a company I can highly recommend and do so on a regular basis.
5

out of 5

POSTED: | BY: Cynthia Pank

Fantastic Company

This has been the best thing I ever did for my pet. She has been sick this year and all of my claims have been reviewed and paid in a short time. When I have had to ask questions anyone I spoke to was so kind and helpful.
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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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