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: Susan

1st Claim experience

I purchased Embrace for my 165 lb. Irish Wolfhound after getting clobbered with a $6,000 emergency bill for my 10 lb. kitty....When reading the fine print, I discovered Embrace had much better emergency coverage than many of the other plans. They have worked with my vet on pre-existing conditions. This was my first claim and I was interested to see if this was going to be covered and as easy of a process as they claimed. It definitely was!! I am very happy with their Customer Service. I sleep well nights knowing that my big boy should be taken care of during an emergency.
5

out of 5

POSTED: | BY: Nancy

Quick re-imbursement with the wellness policy.

I just received an email that I will be getting a reimbursement for heartworm and tick prevention along with vet appointment cost. The response was fairly quick.
5

out of 5

POSTED: | BY: lauren

Wow! Very happy with the quick claim response

I wasn't sure what to expect but I'm more than satisfied with the entire process and especially the quick claim response. My much loved yorkipoo Max has the best in vet care and I'm glad we chose Embrace as part of our efforts to give him the best of everything.
5

out of 5

POSTED: | BY: Joyce

am satisfied with my Embrace experience.

This was my first experience with Embrace and I was very satisfied. They were true to their word on everything. Thank you so much.
5

out of 5

POSTED: | BY: Susan

True to their word

This is our first experience with having pet insurance. So far, we are impressed with their quick response time, professionalism and the fact that they don't make excuses so they don't have to pay on something that they initially said they would pay for. We checked with several vets and they all heartily endorsed Embrace. Never heard anything negative from any of them or their staff.
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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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