Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Allie Myga

So thankful for the coverage <3

My 3.5 year old, 115lb Mastiff, sweet boy "Captain" was diagnosed with idiopathic epilepsy at 2.5. He has cluster seizures that come with a vengeance and he ends up at the Neurologist every few months or so while we find the right combination of medicine. Finding the right combination can take up to two years of trial and error, having health coverage for this has literally been a life savor. I highly, highly, recommend. The customer service is phenomenal, claims are handled quickly, I have not had any issues with Embrace and have friends who have coverage with other companies, results are not the same.
5

out of 5

POSTED: | BY: Rebecca Kimpland

Quality insurance no hassel

I have had this insurance for over 5 years and it has been a blessing. There is no paperwork to fill out. I just bring a form to the vet each time I go and they fill it out send it in and the money is in my account very quickly.
5

out of 5

POSTED: | BY: Bill Colbert

Claim reimbursement

I am very pleased with the way Embrace handles my claims in the most expedient way. I have no complaints at all!!! T am so happy I chose Embrace to cover Rocco!!! Thanks so much!!!!
5

out of 5

POSTED: | BY: Karen Laurence

Superior customer service.

My 4 yr old Bullmastiff required emergency surgery and the vet bills were in excess of $2500. Embrace claim process was simple and prompt. Customer Service representives were very helpful. I would definitely recommend to a friend.
5

out of 5

POSTED: | BY: Grace Yang

The BEST Insurer EVER!

I cannot express in words how wonderful this company has been during a very stressful time. Filing claims has been a breeze and they have been extremely easy to deal with - much easier than health insurance for humans!
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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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