Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: 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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5

out of 5

POSTED: | BY: Peter Conklin

We have been paying premiums for years.

We have been paying premiums for a few years now and have never submitted a claim until now: our dogs have always been in generally good health. Our small female terrier became ill and after a trip to her vet and then the veterinary emergency room, she was diagnosed with pancreatitis. After 2 days in the hospital, with treatment, she was released to go home: along with a $7k bill…. Embrace covered almost all of it. The process was simple and the response immediate, within 72 hrs. Thank you Embrace!
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4

out of 5

POSTED: | BY: T Dauser TeeDee

I chose Embrace over Trupanion

I just submitted a new claim on my 7 week old puppy. I hope there are no issues for her wellness exam. She did get a clean bill of health.. However there are more vaccinations needed. I chose this insurance over Trupanion because of the wellness coverage. We shall see.
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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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