Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Helen Beavers

Piece of mind

I bought this health insurance not thinking I’d ever use it. Sadly at 7 1/2 years old my baby was diagnosed with renal disease. The week she spent in the hospital and her meds were expensive, but your pets are like your kids. Whether I had insurance or not I would’ve still done the same things. Thank you Embrace for making good health ins and making it so easy to file claims. Since this was our first time to file I was not sure what to do but the rep on the phone made it so easy. I recommend Embrace to all my friends with pets.
5

out of 5

POSTED: | BY: Donita Mallard

Honest coverage; timely claim processing. I love this company!

I appreciate how quickly this company processes claims for my dog. I can check on the process anytime through their online portal. This company's employees are service oriented and friendly and the coverage for your pets is affordable.
5

out of 5

POSTED: | BY: Bill Tardive

Thank God for Embrace,

My 10 year old Beagle-Bassett Tore his ACL to fix it over 3G Without Embrace he would have a limp the rest of his life, now he is as good as new.
5

out of 5

POSTED: | BY: Kara

Easy claims process and excellent customer service!

I have submitted several claims for my near 13-year-old Golden, each has been covered with no hiccups. The process was quick and if I've had questions, customer service was excellent. My only complaint is they discontinued their breeder program, I really enjoyed being able to send puppies home with 30 days free coverage.
5

out of 5

POSTED: | BY: Dennis Brekhus,

Embrace has been prompt and above all fair!

Embrace's multiple case reviews regarding my hunting dog has been quick, descriptive, and in every case fair.
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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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