Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Sarah B

I am grateful for Embrace

Two years ago I decided to buy insurance for our 3 dogs. The sign up process was easy and most importantly the choice of coverage for each dog flexible. You can craft the co-pay, the deductable amount and the max coverage amount for each dog so that the cost for the coverage can meet your budget needs. It was not until this year that we needed to make a claim and I am so very grateful that we choose Embrace and that we choose to get coverage for our dogs. Two surgeries and 6 trips to the after hours emergency vet later .... what would have been an out of pocket cost of over 7,000 dollars has cost us $2,4000. The claim process with Embrace has been easy and straight forward and their website is easily navigated. I couldn't be more happier especially since I have heard so many horror stories about pet insurance. I just wish Blue Shield was as easy!!!
5

out of 5

POSTED: | BY: Donna Lange

Worker, understands, friendly works fast with bill

I am very Happy to finally, find an animal Insurance Company, that does Great work, on the bills..Your Company also, covers other items, that are paid for,...The other companies, will not pay such services...Thank you so much for your Work,,,,Sincerely Donna Lange
5

out of 5

POSTED: | BY: Donna Lange

Worker, understands, friendly works fast with bill

I am very Happy to finally, find an animal Insurance Company, that does Great work, on the bills..Your Company also, covers other items, that are paid for,...The other companies, will not pay such services...Thank you so much for your Work,,,,Sincerely Donna Lange
5

out of 5

POSTED: | BY: Sharon Stetsky

Worth Every Penny

I am extremely happy with Embrace Pet Insurance. I started my policy in Feb 2016 for my 3 year old cat. This year I had to visit the vet 3 times for both well care and illness situatons. Each time I submitted my claim I immediately received a confirmation, regular status updates, very quick resolution and prompt direct deposit of the covered expenses right into my checking account. I looked at several companies before deciding to go with Embrace and felt this company had the most comprehensive plan options for the best premium. I am an insurance agent so I knew exactly what I was looking for. Very pleased with everything! Excellent company!
5

out of 5

POSTED: | BY: Carol

Very Happy Customer

I am very pleased with Embrace. I love that they cover the common costs associated with owning a pet, like flea medication, shots, teeth cleaning and obedience training. My dog recently got vaccinated. I submitted my claim and it was processed in less than a week. I would totally recommend Embrace to my friends.
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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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