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: S Cothern-Ball

Exceptional pet insurance coverage

I have had Embrace for four dogs, spanning 10 years, and it has unfailingly been a great experience. I have had friends with other pet insurance who often lament the difficulties in getting claims covered and/or the reimbursement process. I encourage them to switch to Embrace, or to sign new puppies up for it, because I believe so strongly in this company. My pets will always be covered with an Embrace policy!
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1

out of 5

POSTED: | BY: Steven Hanna

When my cat turned 16 to the raised his…

When my cat turned 16 to the raised his premium to 345 a month. When he needed it most. Stay away. Also: the response to this is cold as helland exactly what you would think. I paid for my cat to be insured his whole adulthood before any problems. They went from 95 a month to 345. Do yourself a favor, put the same amount of money into a mutual fund, earn interest, and pay out of that. Otherwise, no matter what the corporate drone below would have you believe, they will screw you over when you need it most. May the insurer feel the same suffering that they instil upon every pet owner who watches their pet die due to insurance premiums that are untenable when your sweet, precious, babe needs it the most. A pox on your family.
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5

out of 5

POSTED: | BY: Christina Lafferty

The is my first experience with pet…Absolutely Stellar

The is my first experience with pet insurance, and it’s saved me a fortune!! I have two Shelties, and sometimes I swear they’re striving for death by chocolate. Twice Bonnie has been in the ICU, and Asher once. Add to that Bonnie developing epilepsy, and you can just imagine the difference Embrace has made. Filing claims is so easy, and the folks who answer the phone are so kind and helpful. I recommend Embrace to all my friends and acquaintances.
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5

out of 5

POSTED: | BY: Russ Thomas

Embrace Pet Insurance is so easy to…

Embrace Pet Insurance is so easy to submit a claim and they reimburse very quickly
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5

out of 5

POSTED: | BY: Anthony Moreno

Always polite

Always polite. Informative and professional attitude
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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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