Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Larissa

I only wish my own health insurance was so good!

Embrace is prompt, courteous, and pays eligible claims efficiently. We have had insurance with Embrace for several years now and have up to this point had only Wellness reimbursement claims (which they have handled perfectly). This first illness claim was handled just as well. I am currently dealing with an absolute nightmare with my own health insurance and only wish my own health insurance coverage and customer service were as good as my dog's insurance through Embrace!
5

out of 5

POSTED: | BY: Kim T

Very happy with Embrace!

My vet thinks so highly of Embrace that he encouraged me to buy pet insurance. I have filed a claim twice in the past two years. Embrace has been very easy to work with and a super quick turn-around on payment. Having insurance gives me great peace of mind. After they paid my last claim - they followed up with an email to make sure I received it. Excellent service.I also love the diminishing deductible!
5

out of 5

POSTED: | BY: Terry Caronne

New customer ......great pet insurance

I called different pet insurance companies and did a lot of research on-line before deciding to go with EMBRACE. I was very impressed with their professionalism and knowledge of their product. I recently adopted 2 puppies from the local animal shelter and had to make a wellness claim in which my claim was handled very fast. They are efficient and don't give you the run-around after filing a claim. Its handled and the deposit made into your checking account. AWESOME
4

out of 5

POSTED: | BY: Karen Schafran

Truly Helpful

Our 6 year old cat stopped eating and we had to put a feeding tube in while we figured out what was wrong. Turned out it was IBD couples with CML - both manageable but to find out it took a whole bunch of tests. Lucky for us we had Embrace and it made the bills more manageable. Thanks Embrace.
5

out of 5

POSTED: | BY: Andrew Adams

Fantastic customer service

Wonderful company!! Wonderful service!!Would recommend to anyone with a pet that they love!!
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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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