Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Martha

Satisfied Customer

This is our first experience with Embrace pet insurance.We were very satisfied with how quickly they processed our claim. Laura Bennett was extremely helpful and showed compassion with our pet. We would highly recommend Embrace to anyone interested in obtaining pet insurance.
5

out of 5

POSTED: | BY: Susan

Insured since 2009, always timely reimbursements

Our girl was diagnosed with cancer and Embrace paid our claim within days of our vet submitting the bill for her surgery. They have always been timely with claim reimbursements, since 2009. Paying claims on actual fees rather than a fee schedule is a tremendous help. Would recommend Embrace to anyone looking for health insurance for their furbabies.
5

out of 5

POSTED: | BY: Chris

2 Labs and Great Service

Have 2 labs that are a year old. One had to have Entropion surgery on both eyes. Embrace Preapproval was painless and as always they are quick to respond.So happy I decided to go with Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Carrie

Another speedy, hassle free claim

I submitted some claim forms that I had forgotten to submit with a previous illness my dane had and again, received such a quick response and reimbursement. Laura Bennett and her team are always quick to respond and very helpful. Claims are a hassle free process and they make sure they follow up every time. I am very happy with Embrace and thank Laura and her team for all their help!
5

out of 5

POSTED: | BY: judith

HONEST AND FAIR

Niko got a cut on her nose by going into bushes going after lizardsSHE KEPT LICKING HER NOSE SO SORE WOULD NOT HEAL. DR. SONG GAVE HER A CORTISONE INJECTION TO HELP HEAL IT AND STOP HER FROM LICKING THE CUT. I AM VERY HAPY WITH EMBRACE INSURANCE. THEY ARE VERY RELIABLE AND HONEST.
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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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