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: Karen

Pays!

Embrace has paid all claims I have submitted. Much unlike the prior insurance I had a few years ago, which I dropped. They are customer service oriented and pay claims quickly. Usually within 7 days or less from submitting the claim.
5

out of 5

POSTED: | BY: Tom

Out standing service, totaly satisfied.

In less than one year we have had three claims, each one was handled very professionally. Thank you Embrace
5

out of 5

POSTED: | BY: Charles

Recommended for anyone looking for pet insurance

Embrace has been wonderful to work with, especially as we have moved across the country multiple times which has impacted our rates. They have always been helpful, keeping our pet safe and our rates reasonable. I highly recommend them to anyone looking for pet insurance.
5

out of 5

POSTED: | BY: Mattox

Awesome

Best pet insurance out there
5

out of 5

POSTED: | BY: Kay

Great experience

Our 1 year old Doberman had some type of infection that the vets could not figure out. After testing, we ended up with $1,200 in vet bills. Of course we paid it, we would do anything for our dog. I submitted my invoices to Embrace and they were quick to acknowledge receipt of my claims, and keep me posted on the status each step of the way. I received the money within about a month (holiday season). Also, the yearly deductible deduction if you do not submit a claim is a bonus! Thank you 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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