Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Alan F

One Less Thing to Worry About During a PainfulTime

To have your best friend diagnosed with Lymphoma is devastating; then to be told of your options for care well into the thousands compounds the worry. To make the best decision for your pet, and not have to concern about cost, is a blessing.
5

out of 5

POSTED: | BY: Claudia

Fast and hassle free refunds

One of my kitties was diagnosed with sarcoma. I am happy I had the Embrace insurance and was able to do everything possible to get him the best treatment available. Although the insurance reimbursement is caped at US 5,000 and the full cost is higher than that , it was a great help.Reimbursement process was quick and smooth.
5

out of 5

POSTED: | BY: Stephanie

Affordable and reliable

This was the first time I sent a claim to Embrace. I wasn't sure what to expect but the claim form was was to fill out and I was able to check the status online. Customer service was very helpful and my claim was processed in a reasonable amount of time.
5

out of 5

POSTED: | BY: Sarah Schoettler

Wonderful

My cat was injured and we had to go to the vet almost weekly throughout the summer. I could not have done this without Embrace. First, their customer service is exceptional. Everyone I spoke to on the phone was very polite and understanding. They answered any questions I had. Communication via email has been quick and also very pleasant. The coverage is amazing and I have recommended them to many of my friends with pets because I don't know of any other pet insurer as wonderful as Embrace.Keep it up! Thank you!
5

out of 5

POSTED: | BY: Ginny

Wonderful company

I currently have 4 dogs covered with Embrace and have been very satisfied with them. The only time I've had trouble getting a claim paid was with a new pup who had been added to my policy. Embrace wanted prior records from a chiropractic vet when the visit was his first there. Obviously, no records to be had. After several communications, the matter was resolved. All other claims have been paid quickly. I highly recommend this insurance.
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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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