Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Deb

Great pet insurance.

My 11 year old shih tzu has had a lot of health problems this past year. I have been with Embrace pet insurance since 2009. Buying pet insurance was one of the smartest things I've done! The company is very efficient. Their system for filing claims is so easy. When the claim is complete, I usually receive a check within 2-3 weeks. When I call the office with a question, I'm never disappointed with customer service. Very happy customer!!!
5

out of 5

POSTED: | BY: Eve

I am so glad we have Embrace Pet Insurance!!!

We have an english bulldog puppy who has already required a few unplanned trips to the vet. Embrace has been wonderful in processing our claims and reimbursing us for covered items.
5

out of 5

POSTED: | BY: Paula

True to their word!

We insured all three of our dogs this year and every time a claim has been submitted it has been paid. I can't say enough how much we like this company. Everything we were told in the beginning has been right on. I would highly recommend this company to anyone looking for pet insurance!
5

out of 5

POSTED: | BY: Annie

Best insurance ever, pet or human

Embrace has been stellar since we began covering our Golden Retriever 6 years ago. They are quick, responsive and actually provide the coverage exactly as advertised.
5

out of 5

POSTED: | BY: D'aja

Reliable!

I've been with this company for almost 2 years now and I can proudly say that Embrace Pet Insurance is 100% reliable. I've always received my reimbursement in 2 days and they respond right away after I submit my claim.
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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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