Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Anne

Excellent - the best!

Embrace has been phenomenal during my dog's time of need. I had purchased a pet insurance policy years ago because I was worried that my dog may someday get hit by a car. I never would have imagined that I would need it for Inter-vertebral Disc Disease which left him paralyzed in his hind legs one morning. Without Embrace I would have been unable to afford the emergency surgery he needed. The best part has been that prior to the accident they were able to customize a plan to work with my budget, and that they do NOT set a limit "per incident". The surgery alone cost $5,550 and my dog will still need additional therapy and rehab to walk again. Embrace reimbursed me $4,200 within 10-14 days after filing my claim. The customer service has been outstanding and I have nothing but accolades for Embrace.
5

out of 5

POSTED: | BY: Trina

embrace Pet insurance

I am very pleased with Embrace Pet Insurance. I have had this insurance for over 7 years and they have covered several claims in a prompt and effecient manner.
5

out of 5

POSTED: | BY: Ken

Great company

I have been with Embrace for almost 10 years. Their costs are competitive and they provide numerous plan options so you can come up with a customized plan that meets your coverage and financial needs. I currently have 3 dogs insured with them. Throughout my experience, Embrace has been a stand-up company and has never disputed any of my claims and has processed them all usually within 2 weeks. I would highly recommend them to anyone looking to purchase medical insurance for their pet.
5

out of 5

POSTED: | BY: Deborah

Best pet insurance company hands down!!

Super fast claim reimbursement. Nicest respresentatives I've ever dealt with.
5

out of 5

POSTED: | BY: Lucille

In Sickness and In Health

Before Embrace, we could not get wellness coverage or coverage for the minor issues that cats can have from time to time. Now, thanks to Embrace, we do have that coverage, and have saved significantly on veterinary care expenses. Customer Service has been proactive about claim handling and follow-up, and actively seeks feedback. Embrace offers an excellent value for our pet insurance dollars.

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 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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