Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Joan

Purrrfect Puppy care.

The care for our little Shitzu has been a continuing amazement! Each time there was an unexpected turn of events, her care was excellently performed. The checks are always within two weeks. Recently they e-mailed me to be sure I received the latest on. Did you know there is a coverage for grooming? Awesome!
5

out of 5

POSTED: | BY: Maliinda

Reliable follow through on claims

Getting pet insurance was the best decision we ever made. With Embrace they continue to reimburse without issue each time. I highly recommend them to others.
5

out of 5

POSTED: | BY: William

Best Pet Insurance Program bar none!

Embrace has been excellent to work with, fast and responsive to our submissions. Penny, our 1 1/2 year old English Bulldog has been plagued with issues since she was a pup. Throughout her ordeals, Embrace has stayed on top of all claims, quickly and as promised. Thanks to them, Penny is slowly on the road to recovery. She is a loving member of our family and probably would not have made it without their help.
5

out of 5

POSTED: | BY: Diane

Great Company

I love this company! They are very compassionate, when one of our cats died, they sent a sympathy card that all of their employees had signed. They pay quickly and are very helpful with questions. The only problem I have had involved something that would actually have saved them money! My vet has a program called Shots for Life: you pay $59 and that covers all shots for the life of your pet. They wouldn't reimburse that cost - makes no sense to me.
5

out of 5

POSTED: | BY: Haddie

Excellent and quick coverage benefit payout

In today's fast paced world - Embrace makes it insanely easy not only to submit claims on their customer portal, but also in their prompt response to emailed questions. We submitted several claims that had occurred over the past 6 months. Embrace accepted the claims for review and quickly processed. Coverage was applied as expected and refund checks were issued promptly. Insurance is never something you want to use - but Embrace made it easy.
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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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