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: ann

It really works!

I was so skeptical about pet insurance and spent quite some time researching options. I finally decided on Embrace and submitted my first claim in my second year of coverage. I was expecting a denial or them not covering everything based on some hidden clause, but no! I was reimbursed exactly as promised and while the claim took a bit long to process, they were very responsive to questions. I'm very impressed.
5

out of 5

POSTED: | BY: Carole

Great service

Have patience and complete the process.
5

out of 5

POSTED: | BY: Patricia

Good job. Here's a cookie!

Quick and unambiguous outcome of the claim.
5

out of 5

POSTED: | BY: Lynda

My husband told me this was my best investment yet

Glad we bought pet insurance with Embrace. Great company with good employees. It may have taken much longer for our claim, but Embrace kept me updated. I never felt ignored by customer service. Good company
5

out of 5

POSTED: | BY: Mario

Embrace does what it says they'll do

Having had pet insurance 10 years ago, we were skeptical of jumping in again. But having 7 dogs (yes, 7) we figured why not try it - esp since our 9 yr old Bernese Mountain Dog just went through a $10k+ back surgery and we paid out of pocket for it. Had we been insured with Embrace, we would have only paid about $2k for it. Since insuring our eligible dogs, one of our guys was diagnosed with mast cell cancer and Embrace has been a godsend. Suffice it to say, we are demanding people and I own a small business so I know from customer service and delivering on what I promise - Embrace has it down and I'd recommend them to anyone.
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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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