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: Brian

Peace of mind

My german shepherd puppy had a severe bout of gastroenteritis which required emergency care and a stay in the pet hospital for several days. Embrace handled my claim and kept me aware of its status. All in all a good experience especially considering this is the first time I had ever purchased pet health insurance. Embrace paid exactly what I anticipated they would. While I hope I do not need to use the insurance again, I have peace of mind knowing it's there. I would highly recommend Embrace to any others looking for pet health insurance.
5

out of 5

POSTED: | BY: T Fagin

Responds Rapidly

Megan Isom really helped me this week by clearly explaining what's required for pre-certification for procedures my cat may need tomorrow, providing the pre-certification form quickly, following up with the vet when I wasn't able to obtain the necessary information from them, and turning around the completed pre-certification within hours. She also called me to make sure I understood the process and was compassionate. My kitty is being examined for cancer, and I was able to get pre-certification for an expensive procedure that may occur over the weekend. What I can't stress enough is that Megan was both compassionate and fast - and the coverage is available. Thank you!
5

out of 5

POSTED: | BY: Rena' Wilcox

Embrace is a great and carrying company

I love this company. When we were looking at getting our goldens Macy and Maddy I searched pet insurance companies by the reviews submitted by policies owners. I chose Embrace and could not be more pleased. Embrace is very prompt with updates and claims checks. But the most touching part is the follow up emails from Embrace on asking how Macy is doing and if we need anything. If you are looking for pet insurance Embrace is the one!
5

out of 5

POSTED: | BY: Dawn Ashworth

Great Company

I found out about Embrace when I took my puppy to the vet. I asked about pet insurance and they gave me the brochure for Embrace. It is a great company. The reimbursement is very timely and customer service couldn't be better. I highly recommend Embrace to anyone who is considering pet insurance.
5

out of 5

POSTED: | BY: Stephanie Harvey

Great Communication and easy forms to complete!

Love having this insurance super easy forms and they stay in contact with you throughout the claim. Hope I never have to use the accident form but if I do I feel comfortable knowing Embrace will take care of everything and keep me in the loop. Thanks for offering such great coverage for my 4 legged baby!
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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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