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: Laura Stone

Excellant

Embrace pet insurance did exactly what the policy said. My dog got an injury torn acl needed surgery, 2700.00 they covered 90%. Reimbursed me in a week. I feel so releaved that my dog has the best insurance coverage. I recommend Embrace to any friend.
5

out of 5

POSTED: | BY: Kevin Duncan

great decision

Since we got 2 puppies that were litter mates decided to get insurance in case a problem developed in the future. I did not expect our 2 year old male to develop a gastritis that resulted in an ER visit, a transfer to a specialist, and 5 days of hospitalization. Very glad we had insurance to help with the expenses. Vet Clinics filled out claim form and submitted. Easier than human insurance.
5

out of 5

POSTED: | BY: Michelle ruth

Amazing

I have had several pet insurances over the years with my different animals, but Embrace is by far the best at what they do. The claims are reviewed in a timely manner and refunded quickly. The reps are extremely friendly and there is never a question too small or dumb :) it is such a relief to have them in my pets lives making sure they are well taken care of!!
5

out of 5

POSTED: | BY: Jessica

Best Pet Insurance

Embrace is...- Personal-- the team really cares and wants to take care of pets - Responsive & prompt-- quick to file claims, issue checks and respond to any questions or concerns Highly recommend & happy we are part of Embrace's network.
5

out of 5

POSTED: | BY: Christine

Great service, as always!

We have nothing but positive things to say about embrace! Every customer service rep has been friendly and helpful, and all our claims have been received and processed in a timely manner. I love the emails throughout the process, giving updates. And with direct deposit for reimbursement, I usually have it in about a week! They even sent a get well email to my dog!!
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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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