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: George Smith

Prompt claims payment.

I am retired but was an insurance broker for over 42 years. I have seen claims handled poorly and properly. Our 10 year old Scotty was diagnosed with a a very troubling tumor. Our vet aggressively treated the condition through surgery. Embrace was very professional in their claims handling and payment processing. Ours was not a small claim costing in excess of $4,000. I am very impressed with the service and pleased with the outcome!
5

out of 5

POSTED: | BY: Carol Webb

It is worth it.

I have had several cats over the years. They can get expensive when they get sick. When I got a new kitten last year I decided to try pet insurance. Embrace has save money even for well visits and shots. No longer will the cost ofCare be a factor in my decsions on my cats health.
5

out of 5

POSTED: | BY: Sherri Wolin

No problems

The only claims I have made so far are for wellness refunds.With a receipt from my vet for vaccines, wellness checks, preventtive medications or grooming, my claims have been processed and mailed within a couple of weeks. I am very happy with Embrace so far.
5

out of 5

POSTED: | BY: Lisa

Well worth peace of mind

Two of my cats are covered by Embrace, and I love the fact that they have the equivalent of a flex plan that I can use to help defer the cost of dental cleaning, too!
5

out of 5

POSTED: | BY: Kristen Sullivan

Fantastic Company!!

I highly reccomend Embrace Insurance!! They are prompt, and easy to work with. I had another company before them on another dog, and it was a nightmare compared to Embrace!!
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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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