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: Kristin Marino

I know I can rely on Embrace

I would highly recommend Embrace Pet Insurance to all pet owners. They have covered two unforeseen surgeries for my now 1 year old Rottweiler/Doberman with efficiency and ease. Their system is so simple to navigate and customer service is great.
5

out of 5

POSTED: | BY: Linda

Good company

I have had Embrace for 2 years and I am very happy with their service. Most reimbursements are fast and deposited into my bank account. My one complaint is: My dog is 12 years old and the renewal increase was over $100 per year. That was over 100% increase, when the advertise 8-10% annual. If you have a pet, I would still recommend Embrace insurance.
5

out of 5

POSTED: | BY: Cary J.

you guys are awesome!

I have never been with a company that is so fast friendly and reliable. My best friend Little Star could not have a better insurance company on her side. The photo contest you are running now Is pretty cool also. My companion has already received votes. Keep up the great job!
5

out of 5

POSTED: | BY: David Lim

Claim Processing

I have another pet insurance that I still pay for from New Jersey for my other dog there. when I came to Hawaii and got another dog at Animal House Pet Center in Ewa Beach They mentioned Embrace and others. I picked Embrace and have been totally satisfied and wish I could change my other insurance from New Jersey to Embrace.
5

out of 5

POSTED: | BY: Kelly Corbett

Very pleased with Embrace Pet Insurance

We went from zero to two dogs in a span of two weeks. Something told me the get pet insurance when my vet recommended Embrace. In the following four weeks, we had one rat poison ingestion, two cases of Giardia, one emergency vet overnight stay, one severe case of canine anemia, chronic diarrhea, and normal puppy shots. Embrace paid their part exactly according to the policy. And they paid surprisingly quickly. Painless help when we needed 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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