Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
4

out of 5

POSTED: | BY: Kennis Ketchum

Doing the right thing

Embrace has never argued with me- they just apply the rules and then pay or don't pay accordingly. I have experienced good results with them paying for various illnesses with my dogs and will continue to use their service for any future pets. I just had a big expense with one dog's intestinal problems and they sent me a check for $1,300+.
5

out of 5

POSTED: | BY: J. Chavez

Super quick claim handling!

I emailed in a copy of my bill for neutur ing to Embrace claims staff, and within a week they had completed the claim for me!
5

out of 5

POSTED: | BY: Yvette Brown-Wahler

Superior Service

I appreciate Embrace Pet Insurance superior service and immediate connection to any service and/or issues regarding my service dog, Eve (border collie). As Eve ages (11yo) I count on Embrace to continue any support necessary to extend her life.
5

out of 5

POSTED: | BY: Mary

Catastrophic insurance helping quite a bit

Well, we took a chance on pet insurance a year ago for our two older dogs not realizing that a year later one was diagnosed with Lymphoma and it was aggressive. Our dog is a mixed breed but tough Chow/ Shepherd and she has done so well under treatment once a week that all of the worrying we do seems to not be realized. We got results immediately under chemo and she was back to herself quickly. It is not a cure but having the support of pet insurance through Embrace for a catastrophic illness has taken the edge off. I have followed up on a couple of claims and the answers are really reassuring. The staff at our Vet and the doctor were relieved that we had insurance through Embrace. We are pleased so far.
5

out of 5

POSTED: | BY: Susan

Great delivery of benefits

I have found making claims with Embrace Insurance to be easy and they respond quickly and pleasantly. I usually have a check within one week of my pet being seen for an illness/accident. Very pleased!
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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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