Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,910

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: Phyllis

All 10's for Embrace Insurance!

Since I have had Embrace insurance, I have nothing but praise. They always responded to my claims quickly and always kept me informed. I have nothing but good things to say about Embrace.
5

out of 5

POSTED: | BY: Dr.

Perfect Service

I had a large claim, which included several appointments for missed diagnoses, before finally having to have surgery. Embrace paid each claim without difficulty. The people there are wonderful to deal with, and though I hope my dog never has another problem like this one, I know Embrace will be there if she does. Thank you, Embrace.
5

out of 5

POSTED: | BY: Heather

Excellent Service with Every Claim

Embrace has been an amazing company to work with for our animal's health. There have never been any problems. They are efficient and fast working.
5

out of 5

POSTED: | BY: Pa

EXCELLENT SERVICE

Fast processing of claims...very happy with coverage. Vet tech recommended insurance and it's paid off!
5

out of 5

POSTED: | BY: Mary

Fast claim processing

My dog swallowed an entire bully slice (not bully stick) which could have caused a serious intestinal obstruction if the vet hadn't made him vomit to get it out. He needed an x-ray to confirm he had swallowed it and of course the x-ray was the most expensive part of the visit. My claim was processed quickly and reimbursement received in a timely manner. Thanks Embrace.
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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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