Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: fernando

Hit by car, every pet owner needs embrace insuranc

Embrace insurance is a life saver, my poor dog was suffering, and I didn't have to worry about cost. They payed my claim in less than 7 business days. Direct deposit to my account.
5

out of 5

POSTED: | BY: Darlene Redclift

They actually care!!!!

I've dealt with a lot of insurance companies but never one like this!!! The claims are easy to make, processed quickly, and I can understand them. I have never worked with a company that I truly feel they care. And the rates are great. I have recommended them to all my friends.
5

out of 5

POSTED: | BY: Judy Clarke

Fast Efficient Response

After a Lyme Disease test for our lab, Embrace responded quickly to get our claim settled, and followed up to check on our pet!
5

out of 5

POSTED: | BY: Paula Schmidt

Praise God I purchased insurance!

I am so glad that I bought the insurance for my dogs. Both of them have needed it at one time or another, but especially when my puppy got sick, the insurance was there to help us pay the bill!
5

out of 5

POSTED: | BY: "Karah" Marie

Great Customer Service & Claim Payment!

This was a great decision! I've been with Embrace since October of 2013 (my first ever experience with pet insurance) & just received my first wellness claim payment. It was less than 10 days from date of fax to mailbox! I've also received wonderful, prompt, professional, yet still 'real' & friendly communication from Embrace before during and after my submission - wouldn't it be great if human insurance was this painless? THANKS EMBRACE!!
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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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