Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Ed A

KIKI is so mUch Better

My dog KIKI had knee surgery and it cost $5,000.00+ Embrace paid 90% then the plate in her knee got infected and they paid another 90% of the $3,000.00 claim 6 months later . In the end Embrace paid out over $8,000. They covered 90% of the claim minus the $100 deductible, exactly as promised. The company did not try to weasel out of the claim and handled the claim with integrity, following through on everything that was promised before I signed up. Furthermore, they did not drop me as a client and sent me an e-mail about renewing my policy while all of this was going on. I have definitely become a walking advertisement for Embrace. It is rare to find companies that actually do as promised and when I find one, I definitely like to spread the word.
5

out of 5

POSTED: | BY: Igor G

Large claim promptly and fully covered.

My dog was attacked by another at the dog park, and had her stomach ripped open, which required a 90 minute surgery at the emergency hospital. The total bill was over $3500. Embrace approved my claim in a couple of weeks, and covered everything minus deductible/copay. I am very happy with Embrace!
5

out of 5

POSTED: | BY: Elena

Very decent insurance company

they are worried about clients and return 80% of money back.
5

out of 5

POSTED: | BY: EG

So far looking good

Wellness only claims so far, but reimbursed quickly.
5

out of 5

POSTED: | BY: ron

Very good insurance but slow on paperwork

After several claims from stitches, and skin problems, to wellness claims for shots and spaying, Embrace seems to very good at covering everything I feel that they should cover. The only reason I would not give them a 10 out of 10 is the amount of time it takes between mailing the claim and receiving a check. On average it seems to take 4 to 6 weeks.
Please leave a review

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.
Provider website

Get a quote today

Leave a review