Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Renee Gillis

An insurance policy to be embraced indeed!

It's always easy to get through immediately to a real, live person who is relaxed, helpful, and actually knowledgeable. I quickly got the answers I needed and, for good reasons, trusted that whatever I addressed would be handled swiftly and thoroughly. I've had cats since I was 4 and now I'm 64 and this is the first time I purchased insurance and I'm sooooo glad I did.
5

out of 5

POSTED: | BY: Sandy

Quick service and stand up to what they say!!

I guess my "tips" would be, use the proper forms, get your Vet to fill out forms completely and send in.. Be aware of what your coverage entails, and then all will go well. I can not recommend this company enough. This is my first claim, met my deductible and a check is on the way for the amount above deductible. No hassle , just plain "we do as we told you we would".. Thank you, Embrace!
5

out of 5

POSTED: | BY: Scott

10/10 Embrace Service

Since enrolling our pet to Embrace insurance. We have received quick reimbursement and quick feedback on our claims via e-mail. Their customer service is great with getting back to us on a weekly basis with each claim to. I advocate for any new customer seeking great quality pet insurance for a new pet to consider, Embrace. :)
5

out of 5

POSTED: | BY: Alan

Fighting Cancer

My dog got diagnosed with terminal cancer at only 5 years of age totally catching us by surprise. It was an awful diagnosis but having pet insurance allowed us to afford to try an experimental Chemo treatment at the university pet hospital. The treatments restored his heath for about 3 months which gave my family valuable time to mentally prepare. Embrace was great throughout the process. They paid all claims as per the policy, I just wish my own health insurance was equally good. Also, you can really tell in all their correspondence that they are pet people.
5

out of 5

POSTED: | BY: Ken

Very reliable and fair

I have had Embrace insurance for about 7 years now and have 3 dogs covered with it. I have found that Embrace has lived up to its responsibilities in every case. Although I decided to purchase insurance to protect in case of a catastrophic event, it has been very helpful in reimbursement of lesser accidents/illnesses.
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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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