Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,440

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: Claire Keller

Amputation of cat's leg

My cat fell from a height of 10 feet and shattered her left front elbow. The x-rays showed multiple bone fragments there was no way to salvage the limb. Lily had her left front leg amputated. The wound partially opened and became infected so antibiotics were needed. I have been very pleased with the customer service Embrace provides. My claims were promptly acknowledged. Embrace notified me via email at each step in the process.
5

out of 5

POSTED: | BY: Vicki Meyer

Having Embrace is very reassuring.

Our Goldendoodle seems to have a sensitive stomach and it is very reassuring to me to know we have Embrace coverage when we are in an emergency situation. The claims are usually reviewed in a timely fashion and if not, the company keeps us informed through multiple e-mails. We have had nothing but positive experiences since buying it just over 2 1/2 years ago.
5

out of 5

POSTED: | BY: Ginny

Totally Satisfied

When notified via email of my reimbursement amount, I noticed a mistake. I called Embrace and within a few hours, the correction was made. It's so nice to not have to jump through hoops to have things righted. Great company.
5

out of 5

POSTED: | BY: Roberta Ladrei

Embrace is great !!!

Have only had two claims for wellness but I'm so impressed with the service and how fast the claims were taken care of.Thanks for helping when needed.
5

out of 5

POSTED: | BY: Diane Wolak

Can't Say Enough Good Things About Embrace

Submitted my claim and received it within 14 days. Great Company. I'm always telling my friends and dog owners about this company.
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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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