Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Arthur Muldowney

Glad that I purchased it!

I have a great Chocolate lab, and I had the Embrace policy for 7 years without filing a claim. This year, however, My guy has had a rough time with laryngeal paralysis. Embrace has covered a good part of the medical care that has been required, and our lab has shown a good deal of improvement.I would highly recommend both pet insurance and embrace for all dog "parents".
5

out of 5

POSTED: | BY: Dolores Miller

Thank you.

My cat had surgery to remove a foreign body. My claim was substantial and Embrace covered it immediately. I also appreciate the ongoing communication from Embrace about the status of the claim.
5

out of 5

POSTED: | BY: Lawrence Haber

Great Insurance For my Beautiful Girl; Tammie

I was referred to Embrace by my Friend and Veterinary Specialist Dr Keith Richter of Specialty Animal Hospital in San Diego. This insurance company is great and so far has processed my claims promptly and in expectations were met with great attitude.
5

out of 5

POSTED: | BY: marcia linz

Good payment

They were good in fixing the problem that they did. Sent the other money out as soon as they could.
5

out of 5

POSTED: | BY: Roscoe Lantz

Super Claims Service

Margi is new to Embrace. But her first claim for a visit to a new vet was approved and processed promptly. Margi thanks the Embrace staff!
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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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