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: Tracy

We are so grateful we chose Embrace Insurance

Embrace Insurance has been very easy and clear to work with. Embrace was highly recommended by other dog parents and I have not been disappointed. It is easy to get a knowledgeable and friendly representative on the phone and turnaround time for questions is fast. All of our claims have been covered and any issues that may not be covered in the future were clearly described to us. Embrace has exceeded our expectations!
5

out of 5

POSTED: | BY: Claudia

Best insurance

All my 4 kitties have been covered by Embrace for over 7 yrs now. Unfortunately 2 of them have been dealing with serious health issues ( cancer and kidney failure ). I dont know how we would have been able to offer them the best treatment possible if it wasn't for Embrace. Their policies are very clear and easy to understand, claim submission easy and processing time very reasonable ( up to 10 days). Their coverage is excellent.Customer service staff very friendly and knowledgeable.
5

out of 5

POSTED: | BY: Michelle

Emergency Care for Iris

I noticed Iris was slightly limping in the morning and it had gotten progressively worse by evening. Her reg. vet's office had closed so I took her to emergency. They did an x-ray and determined it to be soft tissue damage. They also stated that she had a "backed up" colon which could be complicating the issue so did an enema. Needless to say Iris was not a happy cat!!! The response from Embrace was excellent; they processed her claim in a very short time. Out of $668 they paid $410 which makes a huge difference when you are on a fixed income.Thanks Embrace. Iris is back to her normal self, but not sure if I've been "forgiven" for the enema yet ;). Also still not sure why her colon was "back up"; she had daily movements.
5

out of 5

POSTED: | BY: John

Great Insurance

You don't realize how much you appreciate having an Embrace policy until the day you need it. That day started three weeks ago. Without the policy, it would have been difficult to provide the level of care she needed. Thank You For a great customer service team and prompt attention to our claimsJohn Calandra
5

out of 5

POSTED: | BY: Pamela

Pomeranian

Our Pomeranian unfortunately has had so many ailments we are thankful that we've been able to bring her to specialists and provide hospitalization as needed with the help of Embrace Insurance. What a lifesaver!
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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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