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: Carolyn

Embrace has been (almost) all we could hope for!

Our 12 year old Pit Mix, Brandy, was listless, had no appetite, a touch of diarrhea. All of these a very out of character for this still energetic girls with a good appetite. The vet ran lots of tests that were inconclusive. But also found dehydration and gave a big dose of sub-cutaneous fluids. The total for all the tests, xrays, procedures, and substances was around $500! And Embrace covered it all. The only reason I've given them a 9, instead of 10, was that they considered our earliest claim to be for a "pre-existing condition." Too complicated for this space, but we'd only adopted Brandy a couple days when we signed up for the insurance so it seemed pretty harsh.
5

out of 5

POSTED: | BY: Bill

Very good pet insurance company!!!!!

I think Embrace Pet insurance is outstanding!! I have researched other pet insurance companies online and read reviews of other companies. By far Embrace is above them all!!! I am very pleased with the excellent, prompt service that I have received.
5

out of 5

POSTED: | BY: Carlos

Embrace 'Embrace Pet Insurance'

Since day one, wellness and illness coverage has been fantastic. Even after my dog was misdiagnosed Embrace worked with us to re-classify previous claims that were not paid under the policy and honored them. They supported us through the illness process and through the confusion time. Their response and processing time is very good. Customer service, phone and online options are excellent.
5

out of 5

POSTED: | BY: T.

Prompt Claim Processing

I have two dogs. When one isn't sick the other one is. Embrace has responded to my claims in a timely manner. I truly appreciate their service.
5

out of 5

POSTED: | BY: Cindy

Prompt

Fast and dependable service!
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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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