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: Bernadette

More than I expected

I received my final check from Embrace the other day from a group of claims for my Bedlington's visit to the Emergency clinic in May for Pancreatitis. I filed at least 6 separate claims and was so pleased that Embrace paid so much. I had people tell me not to expect them to pay. Well I feel my premium was well worth it. I recommend Embrace to my friends all of the time.
5

out of 5

POSTED: | BY: Deborah

Pleased

From the application process to submitting Sadie's paperwork it has been seamless. THANK you
5

out of 5

POSTED: | BY: Erin

Have been so helpful.

I don't know what I would do without pet insurance and you guys are so helpful thank you!
5

out of 5

POSTED: | BY: Natalie

Very Pleased with Embrace

I have been using Embrace for my two dogs since 2013. I have been very satisfied with the personnel staff, the prompt review of claims and the company's ability to work with me to cover vet expenses. I also like the ease of their paperwork, which comes as pdfs and coded individually for each pet. When I need to speak with someone directly, their staff is very knowledgeable and patient.Embrace's Wellness program and Healthy Pet deductible is a great perk.
5

out of 5

POSTED: | BY: Debra

we are so glad we had Embrace for our dog.

Our one year old dog, Georgia, was diagnosed with patellar luxation. The condition turned out to not be acute but chronic. She required surgery after things quickly progressed to dislocating several times per day despite rest and meds. Embrace gave us no grief whatsoever. The response to the claims was very quick and they paid what they said they would. We are so happy as this covered $2000 of treatment
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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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