Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Karen Cuccia

Awesome service

I have filed 2 claims with Embrace in the last 5 months for major surgery for my dog's spine. Both times the claim was processed expeditiously without any questions & the reimbursement went directly into my account, I'm so glad they offer direct deposit! I would recommend Embrace to anyone who hashould a pet & loves them like a family member,the policy coverage could truly make a difference between a life and death decision.
5

out of 5

POSTED: | BY: Rebecca Navarre

New Customer

I had signed up my puppy for insurance with Embrace - within 4 months we had 2 unfortunate medical emergencies and the claims were submitted to Embrace - within 3 weeks after the claim I had a reimbursement check in my hand. No questions asked even though her diagnosis is still an Unknown. Highly Recommend this Insurance Company!!
5

out of 5

POSTED: | BY: Lisa

Embrace was there when we needed them!

Our 3 year old German Shepherd had gotten into a trash can of feminine products which resulted in 3 intestinal blockages and a need for emergency insurance. What a relief to know I had Embrace pet insurance. We have covered our Shepherd since we first got him at 8 weeks old and I am so thankful we kept the insurance. The vet bill for the surgery alone was over 3 thousand and it made what could have been a financial strain less stressful.
5

out of 5

POSTED: | BY: Karen Fischer

Great service

I have Embrace insurance on all three of my pets, 2 cats and a dog. My cat, Sunshine, stopped eating and eliminating. After x rays and ultrasound, blood work and urine analysis, she turned out not to have any tumors or obstructions, but a very stubborn bladder infection. Not only did Embrace pay the 80% promised for her diagnostics, but gave me a Healthy Pet discount so that my deductable was only $50 instead of $200. Each year my cat is healthy and doesn't need a claim reduces my deductible by $50. I think it is a nice way to reward pet owners.
5

out of 5

POSTED: | BY: Rachel

So worth

Have been a customer for 7years and the service has been great. Form is easy for Vet and myself to fill and submit. Claim is process very quickly. Customer service amazing when ever I call. Meatball has been very health since birth until now which he was diagnosed with congested heart failure. Submitted claim and processes with no problem. Reimbursed via direct deposit. So worth the insurance, no regrets in having it. I will highly recommend to anyone.
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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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