Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Judy A.

Caring and compassionate

I had to put down one of my beloved cats recently.Embrace Pet Insurance was sincerely caring and compassionate when I contacted them with some questions regarding my cat's policy. I received timely, regular updates on the claims I submitted. It didn't feel like an impersonal business transaction; it was more personal and very consoling. Thank-you, Embrace, for helping me through this sad time.
5

out of 5

POSTED: | BY: Laura Berend

Excellent company

Katie, our oldest cat of about 12 years or so, has developed some arthritis in her back. She's always loved being brushed, but resisted and cried a bit. We took her for acupuncture and chiropractic treatments and she's turned into a kitten again. Completely comfortable again and very playful. We chose Embrace because holistic as well as traditional medical services are covered. Our claims were processed quickly and accurately. Whenever I've called with questions, the Embrace person has always been courteous and helpful. We made a good decision for coverage.
5

out of 5

POSTED: | BY: Amy Matt

I love Embrace!

I have a 12 year old mixed breed with pulmonary hypertension, and Embrace has covered both her EKGs and consultations. I also have a 10 year old mixed breed that had to have a small mass removed from her leg. Their claims were processed quickly and the Embrace staff was always quick to answer any questions I had. I feel like they really care about my dogs, which is so important to me.
5

out of 5

POSTED: | BY: Cathy Pritchard

Very Pleased

This is my first experience with pet insurance and am very happy with Embrace. All claims have been handled promptly, communication from the company regarding claims is really good and easy to understand and reimbursement check are issued quickly. I also have the Wellness Benefit which is really nice. I'm really glad that I decided on pet insurance and went with Embrace. (English Mastiff)
5

out of 5

POSTED: | BY: Karen

Very helpful

When the vet found a lump on my dog's gum, I was concerned about the bills that would follow. Fortunately Embrace was there and very helpful. The hardest part was getting the vet's office to complete the forms. It took me three additional trips back and forth to their office to get it properly filled out. Embrace was was very helpful throughout the process.
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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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