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: sandra Jackson

Excellent coverage and extraordinary customer serv

I submitted claims for what was diagnosed as an autoimmune disease affecting the nails of my Bloodhound. The claims were paid quickly and because I had not had any claims for several years, the deductible was reduced. Excellent company and truly fabulous customer service!
5

out of 5

POSTED: | BY: Barbara G.

Love my Embrace!

I have had wonderful experiences with Embrace and recommend them to many dog owners. They send emails when they receive the claim, then an email when it is complete so I know to look for the check in the mail. It is the best!
5

out of 5

POSTED: | BY: Darren Anderson

Painless

I had Embrace Insurance for over 4 years, it's been everything one would want. No hassles, they deliver on what the advertise.
5

out of 5

POSTED: | BY: Gary Starr

Very Pleased

Very fair - unlike other insurers I've dealt with. Have insured 7 pets with them thus far. Actually care about pets.
5

out of 5

POSTED: | BY: Shirlane Yannuzzi

Getting Embrace pet insurance has been wonderful.

When I first purchased the insurance, I doubted I was going to need it. Our cat was healthy and fairly young (7 years old). Within six months she developed a kidney problem, which has cost over $1200 so far. Embrace has covered 90% after our deductible. Thank you so much. Melody is much better and it is good to know she can see the doctor again and it won't break our budget. And it was very simple to use the claim forms.
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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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