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: Sergio

Great service, fast response

The best choice I made is to enroll our pet with Embrace. They have been excellent in handling all our claims, very fast feedback. The staff is very friendly.
5

out of 5

POSTED: | BY: Dierdra

The best Isurance

My claims have all been wellness claims, as my cat is fairly healthy. The claims are handled with dispatch, and I have arranged for the checks to be directly deposited into my checking account.
5

out of 5

POSTED: | BY: Zoe

Excellent product

Claims are always processed quickly. Representatives are friendly, honest and helpful.I am very pleased and hope to continue with Embrace for years to come.
5

out of 5

POSTED: | BY: Audra

Nice company

Everyone I have ever spoke with is knowledable and very friendly. The claim process it so easy. I usually fax mine in and very quick response.
5

out of 5

POSTED: | BY: Barb

Great Insurance

I have a rough collie with arthritis. After meeting the deductible, I get reimbursed for his meds plus labs. They are fast in reviewing the claim as well as payment. Plus the deductible decreases for healthy pet. I have 2 dogs insured and previously had another insurance. By switching I saved a lot.
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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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