Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Michelle

Wonderful Experience

This is my first time using pet insurance and Embrace has been wonderful and so easy to submit claims. Claims are handled promptly and they are very helpful in explaining what is covered under my policy. I couldn't be happier with them.
5

out of 5

POSTED: | BY: K Emerson

So grateful I finally got pet insurance!

I never considered getting insurance for our dogs for eight years but decided to after speaking with a friend who is a vet. She told me that if she could have her patients do any one thing it would be to get insurance because people don't realize how expensive it is when a pet gets a disease or needs surgery or has any type of emergency. Then they are stuck having to make a very difficult decision between their pet's life or a fortune. Not long after I got the insurance one of my dogs needed minor surgery. Embrace has been wonderful with customer service and explaining exactly how they work and also how to file a claim. The always answer the phone and have always seemed genuinely glad to help. I am SO glad I chose Embrace!
5

out of 5

POSTED: | BY: paul bazan

happy customer

could not be more satisfied.just a wellness exam,that went really well.happy with the way claim was handled. quick and fast.
5

out of 5

POSTED: | BY: paul bazan

happy customer

took dogs for wellness exam. one had ear infection every thing went really good. was happy at how fast claim was handled.everybody that i have talked to has been really nice and helpful.
5

out of 5

POSTED: | BY: Susan Miller

Bubbas bladder stones

Every claim we have made with Embrace had been handled with kindness,and efficiently. Embrace Insurance helped us save Bubbas life. We can't thank them enough!
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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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