Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: James McAvinn

It's What You Hope for in an Insurance Policy

Whenever I act on an insurance policy or warranty, I always dread the time when I have to file a claim. The exceptions and the scrutiny make for dreadful waiting. This was my first claim with Embrace, as I recall. It was for an acute urinary tract infection and blockage, requiring surgery for our cat costing us over $4,000. I was pleasantly surprised by the friendly, caring emails , letting me know along the way the progress of the claim submission. It all ended with a check being sent, in accord with the provisions of the policy. Thank you Embrace.
5

out of 5

POSTED: | BY: T. S.

Best Pet Insurance Ever!

Embrace has been wonderful in covering my active12 pound ball of energy! they have covered everything from yearly physicals to a foxtail in his nose to his sprained paw. Jax has had a rough year so far. All have been covered and the company has great communication throughout the claims process! We had a different pet insurance 20 years ago and it was horrible and we cancelled...Embrace has exceeded our expectations and gives us piece of mind knowing that Jax will be covered if disaster strikes.
5

out of 5

POSTED: | BY: Kelli

Excellent coverage and amazing customer service

We have never had one problem with Embrace. the responses to our claims is the quickest I have ever seen. The customer service is outstanding! I wish all companies were as efficient and pleasant.
5

out of 5

POSTED: | BY: Claudia Ionescu

Very happy

Once again excellent service.
5

out of 5

POSTED: | BY: Carolyn Ross

Peace of MInd for my dog's health

WHile I hope to never have to use my pet insurance, I am so glad a friend recommended Embrace to me when my dog was a puppy. At 3 1/2 he crashed into another dog and seriously strained his Iliopsoas muscle. Embrace covered everything - emergency vet, surgical doc, Physical Therapy, and Chiropractic. I just renewed - my dog is nearly 4 yrs old - and my premiums are still under $300/yr. Worth every penny to know I do not ever have to choose between my dog's health (or life) and my wallet. Also - whenever I have called, staff has been very helpful and responsive.
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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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