Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Delores

Best Pet Insurance we have ever had

Our rescue dog joined our family four years ago. The first thing I did was to get pet insurance for him. We considered the company we had for our prior dog, but after some research we decided to go with Embrace. And we are so happy that we did.Recently when our dog needed an MRI I thought, "Embrace will never cover that!" But they did. Then we found out our dog needed surgery. Again we worried that it would not be covered. But it was. Everyone at Embrace is competent, compassionate, caring, friendly, calm and helpful. Claims have been paid in a very reasonable time. Direct deposit is terrific. Our dog is doing well recovering at home now. He is smiling again and holding his head up. His tail wags all the time...but even when he was in great pain he never lost his "tail wag." Thank You, Embrace.
5

out of 5

POSTED: | BY: Cathy

Embrace is Excellent Pet Insurance.

We have never had pet insurance before and would definitely recommend Embrace Pet Insurance. They are very fast on processing claims and email you when it is complete and checked is mailed. Our dog had a scratched cornea everything was covered!! Thank you Embrace!!!
5

out of 5

POSTED: | BY: Sherra

Great coverage

Our 18month old golden retriever had an ACL tear. The diagnotics and surgery were covered. The paperwork and process was easy, and it was handled in a timely fashion!
5

out of 5

POSTED: | BY: Asheesh

Fabulous Service

We have now engaged with Embrace's customer service team a few different times, and always found them incredibly prompt, professional, and totally unhelpful. Really very good!!
5

out of 5

POSTED: | BY: Camille

Great experience with insurance

My dog needed medications for some ailments he acquired. I called to inquire what the insurance covered and how to go about getting reimbursement. I was given all important information, had all paper work filled out and was reimbursed shortly there after. My experience was very positive.
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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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