Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kimberlee

Embrace is excellent

We brought home 2 Golden Retriever puppies last March. After reviewing many plans we selected Embrace. It turned out that one of pups has an autoimmune disease/disorder and Embrace has helped us provide the quality care that she needed/needs.
5

out of 5

POSTED: | BY: Fay

Best peace of mind for a pet owner

This was the first experience I have had with pet insurance. When I got my cairn terrier as a puppy, 5 years ago, I started with Embrace. First we had the Wellness plan. At age 2, I changed it to the Accident and Illness. All my other cairns were very hardy and lived to 16, so I just wanted peace of mind. My poor Bailey was diagnosed with lymphoma cancer last August, because I had Embrace,I was able to afford trying chemo to extend her days. We were blessed with 6 more months. The staff at Embrace are very kind and prompt with processing claims. Thank you Embrace.
5

out of 5

POSTED: | BY: Marty

Detailed, fair and helpful

I had submitted some claims 60 days after joining. After checking out that there was no pre-existing condition payment was promptly made. Very professional. Kept me in the loop the whole time.
1

out of 5

POSTED: | BY: Valeria

Not what I expected...

Unfortunately my experience Embrace was not the best. I had two claims denaid and I was not satisfied with the customer service I was provided on several calls. I have a cat who I take regularly to the doctor for the same reason, and for that matter they denied my claims, after they explained to me that my cat could have developed a chronic condition, and that they will not cover that, I decided to cancel my policy.
5

out of 5

POSTED: | BY: Kathleen

Fast Reimbursements.

I have both Wellness and Illness/Emergency Policies. On both, the reimbursements have been accurate and very quickly paid. Thank you Embrance!
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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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