Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Dr.

Best pet Insurance

My 11 year old cat "Sunshine" was diagnosed with hyperthyroidism. Embrace promptly paid a claim ($700) for an innovative iodine injection treatment (T-131 therapy) to remedy her problem. 2 months ago Sunshine was diagnosed with intestinal cancer and is currently in treatment. Once again Embrace has stepped up and paid all claims so far for her treatment without hesitation. Claims paid have totaled around $3200.00. This company is the "real deal". Anytime I have called with questions they have promptly provided me excellent service and their diligence in fast claim payment is the best. I tell everyone how pleased I am with them and will continue to use them in the future.
5

out of 5

POSTED: | BY: Vivian

Thank god for Embrace pet coverage....

My 2 year old Rottweiler severely injured her back leg needing extensive very costly physical therapy and eventually surgery... her claims were in the thousands and having a family of 5 and a limited income I was VERY thankful I had health coverage with Embrace. My claims were paid within 7 days of filing, the reps at Embrace walked me through the process and were very helpful. I have recommended my friends who have just purchased puppies to Embrace who are actively buying a policy .. great insurance to deal with.... Mrs. Hurley
5

out of 5

POSTED: | BY: Theresa

Excellent!

The service and communication with Embrace is wonderful. Thank you! I very happy to have insured Gracie with Embrace!
5

out of 5

POSTED: | BY: Tony

Excellent customer support

We have had several claims for our boxer, Molly. All where handled professionally and expeditiously! Plus there is routine followup by Embrace staff to ensure that our reimbursements were received. Sadly our medical doctors aren't as attentive!! Tony and Molly
5

out of 5

POSTED: | BY: Nicole

Good coverage, quick reimbursement

Very happy with my coverage with Embrace. I've had coverage with Trupanion as well, and consider Embrace's coverage to be very comprehensive and clear. I appreciate the reasonable reimbursement time (before my credit card bill is due!), the ability to choose my deductible and my amount of coverage, and the great customer service I've had. I also chose Embrace because they cover so many things, including breed specific genetic and hereditary diseases, the exam fees, alterative medicine, etc. 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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