Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Elizabeth

Great for accidents

First time I bout pet insurance and it had been well worth it. Embrace has surprised me with how easy it has been to file claims and get refunded quickly. Never planned on my pet being sick or getting injured but after she tore her ACL Embrace was there to help me with getting her better. Appeals are also pretty easy to file. Highly recommend Embrace. Get it early for your puppy. Never know when an accident may happen.
5

out of 5

POSTED: | BY: Rita Brown

Terrific!

Embrace paid my claim (s) per contract promptly and in full.I have a deductible and illness and injury coverage. Compared to a previous pet insurance, this company is professional and fair. I highly recommend Embrace!
5

out of 5

POSTED: | BY: Robert Lindberg

No hassle timely service

My 9 year old Doberman female and best friend went through a five month period of decline and weight and appetite loss. It started with what was an apparent incontinence. My Vet did go down the rabbit hole as she continued to lose weight. She was drinking 24 ozs of water and having numerous accidents. She was also not eating. We finally took her to an internal medicine Vet. They would not let her go home. Emergency surgery yielded a ten pound tumor. Extraskelatal osteosarcoma (bone cancer outside of the bones). We were told she would only live another week. Three weeks later she is eating and happy. Embrace never questioned any claim and within one day of submission of claims they responded with coverage approval. They eliminated the additional stress of financial obligation from the already a very emotional and stressful time. Thank You Embrace
5

out of 5

POSTED: | BY: Sam roberts

Fantastic!

Awesome customer service!!
1

out of 5

POSTED: | BY: Matt White

Save Your Money Go Elsewhere

Embrace rejected my legitimate claim, and my Vet has backed me on this that they were totally in the wrong for doing so.
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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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