Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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

Quick service, plenty of feedback

This was our first claim. Since it was the first I wasn't sure what to expect. The claim was handled fairly and fast and I got several emails telling me what was going on. I'm pleased and confident about Embrace.
5

out of 5

POSTED: | BY: Julie

So far so good

We made our first claim and it was much easier than I imagined. We received the claims check promptly. We feel safer knowing our pup is covered by such a company.
5

out of 5

POSTED: | BY: Kathy

Perfectly satisfied.

Easy to file claim form, prompt response from the company, check arrived rapidly.
5

out of 5

POSTED: | BY: Nancy

Fabulous Service!

After reviewing all the pet insurance options I could find I decided to purchase my new policy from Embrace. My choice was supported when my vet told me that she has her pets insured through Embrace as well. Embrace offered a variety of great plan choices as well as the opportunity to customize my own coverage plan. I submitted my claim for my puppy's first wellness check and received word from Sam at Embrace in less than a week. My claim was covered in full and a check issued to me immediately. I am delighted and impressed. Additionally Embrace offered me incredible customer service both by phone and via email. Everyone I have been in contact with has been courteous, friendly and helpful. I don't usually rave about insurance companies but I honestly couldn't hope for better pet insurance.
5

out of 5

POSTED: | BY: Linda

Very pleased

After spending almost $7,000 on my Ragdoll cat, who had to be put to sleep, I decided I definitely would get pet insurance when I adopted again. I adopted Maya when she was almost a year old, and searched for the best insurance. I chose Embrace because they seem to have the best coverage, the least amount of exclusions/exceptions, and the wellness program. I took Maya for her first annual check up and shots since getting her, and was pleased to be able to submit my bill from the vet's office. I received a confirmation the same day and an email three days later stating my entire claim was approved and the check was being sent. I may not use all of my wellness benefits this year, but I will next year. I just adopted a kitten a few days ago, and will be signing him up today. I hope if I ever need to make a claim for illness or injury it is handled just as efficiently.

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 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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