Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: Mandana

Nice experience

My cats were insured for 14 years by another pet insurance company. I never had a claim for 11 years. When one of my cats got seriously sick, the insurance company barely covered $200. That was very disappointing and I cancelled the insurance policies as there was no point in throwing good money after bad. But, this time, when I adopted 2 kitties recently, my vet suggested Embrace. I reluctantly enrolled my cats. One of them got sick recently and had to be taken to emergency. Embrace promptly paid the fees promised in the policy. I am very impressed and have recommended this company to other pet owner friends.
5

out of 5

POSTED: | BY: cathy

Another reimbursement

I just posted a review about my speedy reimbursement for one of my pets. I just received notice today the other wellness claim was approved as well! The service with this company is awesome and I don't see myself moving from them! Thank you embrace!
5

out of 5

POSTED: | BY: Patricia

yahoo!!! love this insurance

it is easy to file claims and they are handled quickly . the agents are very helpful and the process is very efficient. love this company----Embrace!!!
5

out of 5

POSTED: | BY: Ilene

Best Expenditure of Funds for My Dog

As a retired racing greyhound, I knew that Joey could be facing some joint issues in the future so I purchased insurance through Embrace. What I didn't know was that he would develop a seizure disorder that would require ongoing bloodwork and daily medication. Embrace makes it very easy to upload his vet receipts via their website, and they immediately began reimbursing me once his deductible was met. Great customer service, easy-to-use website and a love of animals. Love this company.
5

out of 5

POSTED: | BY: Darin

My dog is alive because of Embrace!

Never again will we be without pet insurance, and Embrace will be our company. We have 4 dachshunds, and we know historcally they have the potential for serious back problems. Since we have had dachshunds w/ back issues in the past, we decided to insure the younger 3, since they had no prior issues. Not three weeks after their orthopedic was cleared, our youngest ruptured a disc and had to have surgery. I don't know what decision we would have made w/o the insurance. Embrace saved our girl! I have been recommending Embrace to everyone I know.
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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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