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: Carol A.

Wonderful!

I've always thought about getting pet insurance, but never did. I found the web site for Embrace and gave them a call to check it out and I am so glad I did! They answered all my questions, provided me with an excellent plan for my three pets and always handle my claims in a timely maner. Our Shetland Sheepdog, Loki, needed emergency care for an injured nose and Embrace took the worry out of the whole experience, letting us know what would be covered. Embrace has made my vet bills so much easier to handle. I would definitely recommend this plan for anyone who has pets.
5

out of 5

POSTED: | BY: The Peterson

Easy and Painless

Embrace has always been so easy and painless to use when filing a claim. No complaints. I have a policy for my 4 yr old cat Nugget. About a year ago he dislocated the base of his tail and his visits and medications have all been covered. I even took him to an animal chiropractor for adjustments and it was covered. Making the adjustments only $9 after submitting his claims. I'm sticking with Embrace no question.
5

out of 5

POSTED: | BY: David Lookabaugh

Recurring excellence

I have had to make several claims and all have been settled in a very timely manner. Initially, the claims were for evaluations of a torn ACL. Unfortunately, the dog has since developed gastrointestinal issues so the ACL is on hold until we can get him totally healthy again. I currently have three more submitted. I'm very grateful for all their help.
1

out of 5

POSTED: | BY: nancy

VERY UN-HAPPY

They look for any excuse to refuse coverage and many vets do not refer them.....Buyer beware!
5

out of 5

POSTED: | BY: Jim and

Embrace continues to provide prompt coverage.

One of our Danes is 6.5 years old and is beginning to have mobility issues. Embrace's coverage of his numerous procedures has been great. They are always prompt to notify us of the status of a claim, and pay shortly thereafter. We have a younger Dane that typically only has wellness claims at this point, but they have been covered just efficiently. We have renewed our policy several times and will continue to do so with this great service.
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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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