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: Sylvia Cam

So thankful that I decided to get insurance on our Trixie!

Best decision ever to get pet insurance with Embrace. Our Trixie means everything to us and Embrace has been so quick in processing our claims that all her medical needs have been met. Highly recommend them.
5

out of 5

POSTED: | BY: Victoria Oppenheimer

You Have Me In Tears

The despair of hearing a beloved pet has cancer would be multiplied a hundred times if we then had to let him go because we couldn't afford to treat him to give the best chance to stay with us. As we run up bills, the fact that Teddy's care is covered has moved us to grateful tears on several occasions. The fact that when we call you some lovely people ask about him, us and what more you can do for us, is a blessing.
5

out of 5

POSTED: | BY: Claudia Ionescu

Absolutely the best

In the last two years two of my kitties dealt with serious health issues : cancer and kidney failure. I found great treatment options available and thank to Embrace I was able to keep my kitties alive. What I like about Embrace : policies and very clear, in real life I've never has surprises about the actual coverage vs the policy. Price is very reasonable and coverage is great. Submitting claims its easy, you can monitor the progress of the processing on the website, time for processing short. And their customer service is very friendly and helpful. Matters, considering you are calling them when going through difficult ans stressful time. I would 100% recommend them
5

out of 5

POSTED: | BY: Randy

Great customer service

All claims are always processed in a timely manner. Whenever I have had questions they answered them quickly or followed up with me once they had the information. While there have not been many, any problem that did materialize was addressed quickly and to my satisfaction.
5

out of 5

POSTED: | BY: Susan chambers

Embrace has our back

After embrace coming through for our two golden's with cancer, we had a health issue with our German Shepherd. With a bit of a issue of understanding between our vet and embrace, I was able to appeal the case smoothly and efficiently and they covered just what I thought would be covered. Received the checks already and as always singing the praise of Embrace pet insurance to anyone that will listen.

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 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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