Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Katie

Error on claim

I received an email advising that there was an error for my claim filing and I should have received an reimbursment. I wanted to give Embrace a big thank you for double checking this for me and being honest! They sure are a great company to trust!
5

out of 5

POSTED: | BY: Dazey--Laoradoodle

Cooperative and truly interested in your pet!

Embrace has been great with me. They are always there to answer my questions and are very patient indeed.
5

out of 5

POSTED: | BY: Julie

Exceptional Insurance

I have made yet another claim, and it has once again been handled SO efficiently, and in a very timely manner. The customer service at this company is second to none, and I don't understand why every pet owner doesn't have pet insurance. Embrace makes it so easy.
5

out of 5

POSTED: | BY: Claudia

Life Saver for both me AND my dog

What a blessing it was to find such a PERFECT pet insurance company! Everyone is so polite. Reimbursements are quick. I can't imagine not having pet insurance now days with the high cost of vet bills. My dog is my precious baby and I want to take care of him the best I can and with Embrace I have been able to do that without worrying. THANK YOU EMBRACE!
5

out of 5

POSTED: | BY: Maria

Great Service

This is the first time we had pet insurance, started in 1/2011 when we got a few kittens from the shelter and an adult at home. I have three cats all on embrace. I just give the forms to the vet and they fill it our and fax it for me. Very little for me to do. One previous kitten died of FIP a few months ago after numerous expensive tests and treatments. She was an Embrace kitten. They paid the bills quickly, kept me informed with timely emails, and was supportive when our poor kitten passed away. No issues with payment at all. I have called customer service a couple of times to add cats to the policy and the representative was informative, professional, and friendly. I was talking to my coworkers a month ago soon after my one kitten died of FIP about the major expenses the ordeal had placed on us. They said - I bet you wished you had pet insurance. I said - yah I had it. They said - that was real smart. Best decision ever to sign up with embrace.
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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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