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: Janine Perazzo

great service/ quick responses

This is my first time using pet insurance and Sammi (my kitten) is my first pet. With that being said, I did alos f research on the different insurances out there. I was most impressed with Embrace when they took the time to explain the policy in depth. Their customer service is first rate. I have only submitted claims for Wellness thus far, but the response and commuication has been amazing! Thank you Embrace! Life is busy enough and you help make things easier by being so on top of things!
5

out of 5

POSTED: | BY: Brad Fenton

Best thing we ever did

We enrolled our puppy Tater when he was 4 months old, about 2 years ago. We did this because he was a labrador and they are known for being very active dogs. Since then poor Tater has been through two leg surgeries and now has an auto-immune disease. All of which Embrace has been there to help us though the turmoil. We enrolled our newest member of the family, Boise, a yellow lab, and thankfully she has been very healthy. Without Embrace, we may not have been able to make the medical choices we did to save Tater's life.
5

out of 5

POSTED: | BY: Marianne E.

Satisfaction With Coverage

We have had several kitties over the course of our marriage. However, when we adopted Olivia Mai in 2009, we decided to add medical coverage for her as we never had done that in the past for our other kitties. The monthly fee for her coverage was minimal. However, the coverage was very helpful especially when she became ill and lost her battle with the disease she was diagnosed with. Having medical coverage was a blessing and the individuals we needed to interact with were very helpful and courteous. When we add another kitty to our household, we will once again enroll her with Embrace.
5

out of 5

POSTED: | BY: Donna and

Embrace will not disappoint you

I am extremely pleased with the excellent and efficient response. Excellent reimbursment. I have clearly chosen the best insurance plan and company.
5

out of 5

POSTED: | BY: R O

Easy refunds

My dog had lumps and skin problems that required surgery.Embrace were really quick to refund most of the money. That one incident covered my policy costs for the year. Thanks !
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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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