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: Ron Miculka

Extremely Happy with our coverage

I say our coverage as I have 2 dogs and a cat enrolled with Embrace. I have always been satisfied with the service, promptness of response, adequateness of claims payments, and followup. I have used other companies for prior pets and the service at Embrace quite outshines theirs
5

out of 5

POSTED: | BY: John S.

Fantastic Service!

I've had an Embrace policy for my cat Zinger for several years now, and have always had great service and prompt claims handling. I recently took Zinger to the vet for her annual checkup and shots, and received the Wellness claim reimbursement exactly one week after filing! This is truly the best service I have ever had from any type of insurance policy. Embrace sets the standard by which the others are judged.
5

out of 5

POSTED: | BY: Thomas

Embrace provides excellent service

I was very happy how the claim was handled.Megan was very fast in handling the claim and was very courteous.
5

out of 5

POSTED: | BY: Claudia Williams

Thank you

As we approach retirement age my husband and I decided Jack would be our last dog, since the cost of proper care can be expensive. Thankfully we took out a policy from Embrace when we first got our precious BFF Jack in 2006. He has had one problem after the other. Thanks to the security of his insurance always being there for him, we have been able to keep him healthy. He is almost 8 yrs old now. Can't imagine life without him. THANK YOU Embrace.
5

out of 5

POSTED: | BY: Gina

Easy to Understand

We received our check in a few weeks and it was the exact amount expected, the amount of the bill less our deductible and co-insurance, very easy to understand. Much better than the last pet insurance company we used which had 5 pages of different procedures (medical terminolgy only a vet would understand) with maximum payment amounts for each. You never knew what the reimbursement would be until after the fact.
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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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