Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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

Wonderful Pet Insurance

Pet Embrace is just an amazing Insurance Company! My Standard Poodle has recently under-gone CCL (TPLO) Surgery and now has complications with her body rejecting the plate and screws. The medical bills would be overwhelming if she were not insured with Pet Embrace. They are fast, efficient and have paid more than I would have imagined!
3

out of 5

POSTED: | BY: Melony

Very Slow Claims Department

Took over a month to recieve claim benefit. Not the first time but seems every claim I have put in this year took over a month to recieve benefit. Not good in that department.....
5

out of 5

POSTED: | BY: Rose

It works

I am terrible about paper work and details but Embrace has made the process of insuring my cats very easy. Luckily I have no serious situation now, but have in the past with a cat who died, and I never want to be in a situation of wether to provide care again due to financial constraints. I feel this will allow me to make better decisions without stress.
5

out of 5

POSTED: | BY: Jaydeep

My first wonderful Embrace experience

I researched a lot before I chose Embrace for Rufus. Rufus is precious and I am so glad I chose Embrace for him. I had a great experience with my first claim. Embrace kept me updated regularly on my claim and few days ago I received an email saying the reimbursement check was on its way. I am very pleased with their customer support and would gladly recommend Embrace to anyone looking for a pet insurance. 
5

out of 5

POSTED: | BY: Gilonne

No complaints

I am a demanding customer. So far, so good. I can't find anything negative about Embrace. I'm very impressed. I don't regret it.
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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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