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.
5

out of 5

POSTED: | BY: Darren

Good Choice

Took both my cats to the vet and Embrace was fast and efficient at processing my wellness claims for them. Luckily, I haven't had to use the accident or sickness part of the insurance yet but no doubt it will be a similar experience.
5

out of 5

POSTED: | BY: George Purtell

Very efficient

They have reviewed and paid on my wellness claim in a very timely manner which is very typical for them. Great company!
5

out of 5

POSTED: | BY: mary west

embrace me

What tips? This is a fabulous operation--please don't change anything!
5

out of 5

POSTED: | BY: Ellen R

good decision to purchase

Last year we rescued our cairn terrier Lucy. She is a wonderful dog but suffers from many allergies. To date, we have had her to vet several times for treatment. Embrace has paid all the claims quickly. Good company - quick responses and easy to navigate. The claim forms are easy to complete and we keep some blank ones at the vet. Good choice.
5

out of 5

POSTED: | BY: Bernadette Callahan

Great Customer Service

I haven't had this policy for quite a year and only expected to use the wellness portion. However my 2 yr old Bedlington had a pancreatitis episode over the Memorial Day weekend and ended up spending two nights at the emergency vet clinic. I was glad to have the preprinted claim forms. I had to call because I needed more forms and had some questions. The Embracer I spoke with was so helpful and patient. I felt like I was a valued customer and the health of my pet was important. I would recommend Embrace for anyone considering pet insurance. One more thing, checks are very prompt.
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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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