Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Barbara Halliday

Comforting

We have Embrace pet insurance for our 3 cavalier King Charles spaniels. It is a great comfort and relief to have them covered by a very reliable and dependable insurance company. Have always been impressed by their promptness with claims and how easy it is to speak with someone. Also like my embrace where I can always check the status.
5

out of 5

POSTED: | BY: Lindsay

Best Insurance

You can trust this company to pay out!
5

out of 5

POSTED: | BY: Tammy

Fast service

It is never a good time for your dog to have an illness, but to have to put out a large amount of money a few weeks before Christmas is especially hard. Our neighbor threw a turkey carcass into the woods and my dog got into it. Thankfully, the only thing it caused was a bacterially infection in his intestines. However he needed to be seen at an ER for bloodwork, x rays, needed sub-que medication for dehydrations, so his bill was several hundred dollars which was all covered minus my deductible. However, within a week of submitting my claim, my reimbursement check was already on its way. Embrace makes submitting a claim easy and with direct deposit, there is no waiting for your check.
5

out of 5

POSTED: | BY: Eric Gushurst

Best decision

When bringing home our dog over 5 years ago, we knew we wanted insurance. After comparing all the providers, we decided on Embrace and it was a great decision. They provide excellent customer service and are very responsive in processing claims. I believe their cover is very good as we've had a high maintenance pup! Our dog just went through some illness which ended up with some costly bills. Embrace was great in working with us on our options and we believe because of that, we were able to provide top care for our dog. Would absolutely recommend Embrace to all animal owners.
5

out of 5

POSTED: | BY: Diane Hooper

First Claim Filed - Great Service

I just filed my first claim (wellness/flea/tick meds)and couldn't be happier with the prompt response. Thanks!
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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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