Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Happy Scherer

Great service and reimbursement

My six year old Bernese had an ACL tear and after the deductible (which was lowered by $50 because of no claims last year!) - they have paid 80% of everything including physical therapy! The turnaround between faxed claims and checks arriving has been impressive - within two weeks at the most. Very satisfied thus far!
5

out of 5

POSTED: | BY: Tama

Best Pet insurance ever!!

I love this insurance!!! It gives me peace of mind owning a pet, especially when my pet is sick. The turn around is so quick when you submit your claims. Love them..thanks for helping me afford my baby...
5

out of 5

POSTED: | BY: Kimberlee

Embrace is excellent

We brought home 2 Golden Retriever puppies last March. After reviewing many plans we selected Embrace. It turned out that one of pups has an autoimmune disease/disorder and Embrace has helped us provide the quality care that she needed/needs.
5

out of 5

POSTED: | BY: Fay Carmenita

Best peace of mind for a pet owner

This was the first experience I have had with pet insurance. When I got my cairn terrier as a puppy, 5 years ago, I started with Embrace. First we had the Wellness plan. At age 2, I changed it to the Accident and Illness. All my other cairns were very hardy and lived to 16, so I just wanted peace of mind. My poor Bailey was diagnosed with lymphoma cancer last August, because I had Embrace,I was able to afford trying chemo to extend her days. We were blessed with 6 more months. The staff at Embrace are very kind and prompt with processing claims. Thank you Embrace.
5

out of 5

POSTED: | BY: Marty

Detailed, fair and helpful

I had submitted some claims 60 days after joining. After checking out that there was no pre-existing condition payment was promptly made. Very professional. Kept me in the loop the whole time.
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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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