Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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: Shirlane

Embrace has fulfilled their promise of good, fair service.

Over the last year we have had several vet visits. One report was misinterpreted by the underwriter, but it was corrected quickly and the claim was paid promptly.
5

out of 5

POSTED: | BY: Maureen

Worth every penny!

My 9 year old poodle, Izzy, has always been healthy. She's a tank, she plays hard. So when she started slowing down and actting painful, we took notice. It's wonderful knowing Embrace is with us. The claims are paid quickly (most within two weeks) and when I had to call, the people were helpful and compassionate.
5

out of 5

POSTED: | BY: Nancy

Great Service and Customer Service Support.

Thank you for providing the great coverage and for being with us when we needed you! Embrace staff are knowledgeable, friendly, helpful and responsive.
5

out of 5

POSTED: | BY: Cyndi

Worry free!

The Embrace Team are the best! They keep you updated the entire time, and I've been with them for 3+yrs now, and I am still impressed with how efficient they are processing my claims. I receive my refund in a matter of days!
5

out of 5

POSTED: | BY: Kris

Best investment ever!

I chose Embrace 5 or 6 years ago after extensive research into the options available and have never regretted my decision. Having Embrace Pet Insurance has allowed me to afford expensive tests to determine the right course of treatment on puzzling ailments. (How many can afford an $800 blood test to figure out why their cat is ill?) The claim process is easy and customer service has been very helpful in answering questions - I always get a live person. I have recommended Embrace multiple times. Thank you fopr being there for my furry family.
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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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