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: Barbara Samarati

Incredible Pet Insurance Coverage and Assistance!

Our beloved Chocolate Lab was only 3-1/2 years old when she was diagnosed with a cancerous tumor inside her mouth. We moved on this as quickly as possible and so did Embrace. Every time I sent in a new estimate, they jumped right on it and got us the pre-certification coverage immediately. They were prompt to pay and very courteous and helpful. I highly recommend Embrace. I shopped other pet insurance coverages when out dog was 8 weeks old. Embrace "looked" to be the best. I would never ever have another pet without this coverage. Thank you Embrace!
5

out of 5

POSTED: | BY: John S.

Embrace is the best..

I've had Embrace insurance for my cat Zinger for the past three years, and have had nothing but stellar service from them. They kept me updated on the status of all my claims, and seem to really care about both the pets, and the services being offered. I think the price is reasonable considering the amount of coverage I have for Zinger, and know that I will never be forced to make a hard decision about adequate care for her based on finance alone. That's the best reason to have insurance, and I think Embrace is the best one out there.
5

out of 5

POSTED: | BY: Pete Veltri

Very reliable and great customer service

Had to file a number of invoices for an ongoing illness for my dog. Customer service people were very professional and helpful.I've been with Embrace for 5 years and very happy with their services.
5

out of 5

POSTED: | BY: Alina Labizon

I love these Embrace guys!

I have found Embrace just recently, as my puppy is only 4 months old. But my communications with them has been nothing short of pleasure so far. I have already submitted the first claim for the welness stuff (preventative shots, exam). It was processed within just a few days, and I immediately received e-mail as soon as it was completed. These guys are awesome!!! And always very personal - one of the Embracer even asked me to give my puppy tommy rub for her, which was very unexpected and sweet.
5

out of 5

POSTED: | BY: Alice Winfree

Tremendous service!!!

Alex and the other Embracers who process and assist with my claims have been phenomenal. I'm *so* impressed with the compassion and real caring that everyone shows. And my two rescued kitties say "Meow!" which, in human language, means "Ditto!"
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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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