Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Sylvia

Pleasantly suprised

Everyting about Embrace is great so far. Very easy to complete the forms. Turn around time for reimbursement is better then expected. Love the email notification when the claim is received/processed. Just got the notifcation that my policy expires and it will be renewed if I do nothing. Great - I like doing nothing ☺
5

out of 5

POSTED: | BY: Susan

Grateful for embrace

Beggar, my 9 year old lab mix ended up in the icu with diabetic ketoacidosis and a bladder infection. The customer service has been outstanding. I was reimbursed quickly with no hassle.
5

out of 5

POSTED: | BY: Jennifer

Excellent

They have been great about coverage and accepted my dog who was around 7 at the time. This time was an emergency vet visit when she hurt her paw. The only problem was I had a lump removed during my trial period which turned out to be a mast cell tumor so no cancer items are covered. Learn from my mistake and get the insurance before you need it! They more than made up for it by covering my dogs acl surgery! Great company!!!
5

out of 5

POSTED: | BY: Keith

Relief sought, relief fullfilled

When taking out a pet insurance policy on a nine and half year old dog, one might have certain skepticism as to how an underwriter might perform. We chose Embrace on the recommendation of a pet owning friend working in the insurance industry. Within three months Austin was diagnosed diabetic and a short time after had to have a cancerous tumour removed. On going treatment for both continues. Embrace has been true to its word / contract and timely in processing and paying on claims.Yes, we would certainly recommend this carrier. Giuseppe and Keith
5

out of 5

POSTED: | BY: Laura

It seemed to good to be true: It's not.

I can't believe how easy it was! I was expecting to fill out a tear-inducing form with pages of poorly-formatted and seemingly meaningless questions, but I didn't have to do any paperwork! There was a box to check and I gave it to the vet!! And I just got a message saying the coverage is on its way!!! I'm so happy. Sincerely love this company.
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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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