Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Tracy L

Medical insurance is not optional here!

Having Embrace is a godsend - especially when you don't want to have to choose whether you can give your dog an expensive surgical to alleviate pain or just appease them with pain meds forever. Glad we didn't have to make that choice. We have had two instances out of the blue with Zephyr where the treatment option was $3000+ and it would have been a difficult choice to make. Embrace takes the question out of the equation. No preadmission needed and easy to file. I recommend Embrace to all our friends with new pets. Wouldn't have one without it.
5

out of 5

POSTED: | BY: Mindy Marburger

Excellent

Embrace is a great organization. All the staff is always helpful, the claims process is so so easy. All reimbursements are sent back in a timely manner. I highly recommend this insurance to anyone who has a pet.
5

out of 5

POSTED: | BY: Marilyn jacovsky

Best of breed

Smooth, efficient and courteous. Always know where you are in the loop.
5

out of 5

POSTED: | BY: Victoria Astorga

So grateful to have this insurance

I never really thought of pet insurance until my sons cat had issues and cost a fortune. I thought I better get some while she is young and healthy. This year our cat has had some health issues and there is no way we could have been able to afford it all. It has taken off some of the financial stress. Thanks
5

out of 5

POSTED: | BY: Leslie P.

At Your Service!

Impressive that claims begin to be processed immediately. Phone service is "A-1" tops too!
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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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