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: Bob

There when we needed them

I signed my dog up for pet insurance when she was 3 and aside from some small issues, she was healthy and I did not need to file a claim for reimbursement until she was 8. After taking her to a specialist and having her get expensive imaging, she was diagnosed with degenerative myelopathy. The one positive to come of this experience was Embrace. A phone call with a representative for general direction made me feel like they were there to help and were very genuine about the whole situation. Within 2-3 weeks of filing the claim, they sent us a check to cover their portion of the bills and I couldn't be happier with this company.
5

out of 5

POSTED: | BY: Melinda White

Great job

Thank you for covering Blossom's medication -so glad I have you on board
5

out of 5

POSTED: | BY: Melissa

Responsive and helpful.

I continue to recommend Embrace to dog owners. My experience has been positive - team is responsive and helpful.
5

out of 5

POSTED: | BY: Patricia Maggard

I am extremely pleased with Embrace insurance!

Staff is always pleasant to talk to and extremely helpful in a answering questions. Claims are processed fast, the turn around time usually a week or so.
4

out of 5

POSTED: | BY: K. Coleman

Great Turnaround Time

Very pleased with Embrace
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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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