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: Vicki

Very happy with the prompt service.

My pet, swallowed part of a rug, causing stomach distress,& throwing up. Had to take her to my vet for an X-ray, & medication. Embrace covered the whole thing. They were very fast with my claim.
5

out of 5

POSTED: | BY: Dawn

Thank You!

The fact that Embrace emailed me to check on receiving a recent reimbursement is commendable! They are quick, thorough and most of all fair. I've never had such a pleasurable experience working within an insurer before! And while I hope I do not need to submit any claims forms for our puppy, rest assured I know I will get prompt and excellent customer service. Thank You, Embrace. Sincerely, a very satisfied policyholder
5

out of 5

POSTED: | BY: Donna

EMBRACE IS THE BEST!!!!!

Our1 year old puppy, Sophie, had to have major surgery on her right paw. She has a plate and screws and long recuperation ahead of her. Embrace covered 80% of her very expensive surgery. I can't thank Embrace staff enough for their professionalism and wonderful and prompt service. They even followed up to be sure I received my check in the mail. My experience with Embrace has been excellent. So happy I chose Embrace!
5

out of 5

POSTED: | BY: Melanie

Eye Infection Claim

My experience with Embrace has been fantastic. I have filed 2 claims for an emergency vet visit along with 2 follow-ups and all claims were addressed promptly. Once our deductible was met my first claim was paid within 2 weeks. That was so unexpected to receive a check that quickly. I have already recommended Embrace to a few other cat owners.
5

out of 5

POSTED: | BY: Patricia

My first claim

I am so pleased with the simple method I filed and received my first claim.
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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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