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: Janet

Embrace is the Best!

Great service! I've never had any problems with Embrace. They cover vet expenses from any vet of your choice and cover 80 or 90% of the bill depending on your choice of premium. There are no benefit schedules like other pet insurance companies have, so you always know that your bills will be covered the 80 or 90%. I will always choose Embrace for all of my pets.
5

out of 5

POSTED: | BY: Roberta

Wonderful and caring people/Fast claim

My dog Yoshi had some fatty tumors to be removed, Embrace was on it, paid me in a week!! They are also compassionate, when my dog Little Bit passed away last year from complications from diabetes, they paid the claim right away and lit a candle in her memory, now that was caring. Embrace is the best pet insurance that I have dealt with.
5

out of 5

POSTED: | BY: Lee

Efficient claim service

So glad to have the insurance policy to help cover the surgical bills when our Dachshund had surgery. The claim was sent in and within 2 weeks, we had an 80% refund. The claim dept. keeps you informed by email of the progress and you can also check online for the status. We have had several claims for our 2 pets and for the 3 years we have Embrace coverage, we have always had good service.
5

out of 5

POSTED: | BY: Robin

Excellent although I wish Meds were included

Our Yellow lab was bitten by another dog and we had to take him to a 24 hr emergency vet (not our regular vet, as it was after hours). He was treated, stitched, given antibiotics, pain meds and fortunately all is now ok. Embrace was great and processed the claim very quickly. I only wish that medications were covered under the policy. Almost $200 of the $500 claim were for necessary medications. I know there is a separate pharmacy plan but in emergency situations, I wish there was coverage for the needed medications.
4

out of 5

POSTED: | BY: Margaret

Very good!

Worth the money and piece of mind.
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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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