Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Charon

Caring Embracers

Thank you for not only having a process that is quick and thorough, you also have caring staff who not only address your questions, but wish a speedy recovery to your pet :) I have had outstanding customer service over the last 5 years and the Embracers have always been friendly and knowledgeable. I appreciate the kind customer support. thank you
5

out of 5

POSTED: | BY: Marjorie

Best pet insurance plan!

I have had Embrace pet insurance for less than a year now and insure both my 5year old dog and 9 year old cat. I thought that it was going to be expensive to insure such an older pet but it wasn't. I am happy that I got it as they have made it possible to get the care that the animals need without fearing that I won't be able to afford it. Thank you Embrace for all you do!!
5

out of 5

POSTED: | BY: Thomas

Best decision i've made with puppy insurance!

GREAT customer service! we were reluctant to get puppy insurance, but it was a great decision. Our dog ended up getting sick so the insurance was well worth the multiple vet appointments! the customer service is always very friendly and professional. i would recommend if you are on the fence about getting puppy insurance that you would do it through embrace, you wont be disappointed!
4

out of 5

POSTED: | BY: Rebecca

Ease of submittal and quick response

Submitting the claim was so easy online, I really appreciate being able to scan the receipt and claim form to send online. That makes my life easier. And the claim was addressed in a very timely manner, I got my reimbursement check already. Thank you.
2

out of 5

POSTED: | BY: Nancy

Keep File open and accessble

My cat, Monk, died and there are still open claims and they have already removed his file so I do not have access to it.
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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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