Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Heather

Great Service!

I have embrace insurance on both my babies. We didn't use a pet insurance the first few months of our older dog, and he just picked up so many bugs from being so curious about everything! We paid a lot of money out of pocket prior to using embrace. When we adopted our younger dog a few months ago, we got embrace for him as well, and it was totally worth it. He picked up a few bugs himself, so we got all of those vet visits covered! The claims process is easy, and we received our refund check in about a week from filing the claim. I highly recommend, because it just gives you peace of mind when caring about your little furry loved ones!
5

out of 5

POSTED: | BY: Amanda

I made the right choice!

I just want to let everyone know, that I was skeptical about purchasing my pet insurance through Embrace. I researched and researched for days for the best. I just happened to come across Embrace since I have Geico. From the very first login experience to my first claim, I am over the moon with how well Embrace has taken care of me and Jelly. The website is awesome and so friendly to use. Their customer service both phone and by email are extremely customer service oriented, and now a days that's hard to find with any company. I love that I can track everything online but still be able to call if I need to speak to someone. The plans are affordable, especially since you can decide on whats best for you and your pet. Keep up the great work Embrace!
5

out of 5

POSTED: | BY: Pat

Fast Payment, great coverage

Having Embrace insurance on my puppy from the day we brought her home was the wisest choice ever made. Without the coverage, I do not think that I could afford to give her the continuing care that she needs, to come back to her full potential health.
5

out of 5

POSTED: | BY: henryst

Treated me very fair

Embrace goes according to their contract. If you read the contract, you will not be disappointed.
5

out of 5

POSTED: | BY: J.

Great Customer Service

After accruing serious medical bills with a sick cat I decided it was time to invest in healthcare- so glad I did it and so glad I went with Embrace. They have prompt and helpful customer service and competitive prices. The cost you pay for a pet also goes down annually if they are in good health. Also they are great and processing claims in a timely manner. I most certainly recommend Embrace for any petowner who cares about their pet .
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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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