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: Heidi

Embrace came through!

This is the first time I’ve purchased pet insurance and I am so thankful that I did! My 15 month old puppy became violently ill after a possible ingestion of a toxic algae. Long story short, the bill surpassed the deductible and having insurance took the guilt or worry about treatment decisions away. Embrace’s customer service was excellent, and I was reimbursed within 3 business days of submitting my claim. The submission process was also very easy. Pets are part of our family. Embrace now is as well.
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5

out of 5

POSTED: | BY: Joan Smith

ID card

Hi. I am deaf-mute …. I am happy to have an insurance for my puppy. I feel safe. … Please text me or call Videophone through your voices. Ok I need to have ID card asap. Thank you. Joan
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5

out of 5

POSTED: | BY: Lida Sharifi

Excellent Coverage and Fast Reimbursement

I recently had to take my cat to the vet for a serious illness, and the bill came out to over $1,000. I submitted the invoices to Embrace Pet Insurance, and they quickly followed up with the pet hospital. I was so relieved when they reimbursed 90% of the cost without any hassle. Their service was fast, reliable, and truly a lifesaver during a stressful time. Highly recommend!
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5

out of 5

POSTED: | BY: Barbara

I can't recommend Embrace Insurance for your pets strongly enough.

The five star rating is deserved for all the reasons indicated. Claims are paid quickly and monthly payments are affordable (at least at this point)
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1

out of 5

POSTED: | BY: Lisa

Don’t use embrace pet insurance

I contacted the better business bureau today to ask if in one year time a month payment can go to $84 to $217 a month as I’ve been with embrace and loyal for 9 years and for the first time I received back $200 and this is how much my monthly payment got raised. There should be a law on how much of a percentage can be raised year to year, I will look into this because if there is not a law I will fight for one for pet owners. I don’t recommend embrace to anyone. If a pdf could be attached I would show proof the the price increase. This amount raised is ridiculous. This is what you get for being loyal.
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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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