Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,841

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: LYNNE MCCARTHY

EXCELLENT HELPFUL

THIS IS TH EFIRST TIME I PURCHASED PET INSURANCE. EVERYONE AT EMBRACE IS VERY HELPFUL AND COURTEOUS. THEY ARE FAIR IN THEIR REVIEWS. I WILL MOST CERTAINLY RENEW THIS POLICY.
5

out of 5

POSTED: | BY: Tricia

Highly Recommended!

Embrace just approved my claim for my lab's TPLO procedure. Everyone I dealt with was caring, compassionate, and easily accessible. I am so pleased with Embrace. I would highly recommend Embrace to all pet owners.
5

out of 5

POSTED: | BY: Lark

Pet insurance as advertised!

When I adopted my cat I was aware of pet insurance, but had heard from VPI customers it wasn't worth the hassle (maximum allowable benefits, co-pays, exclusions....)so when I found and signed up for Embrace it sounded like a good idea, but I was dubious. Not two months later I took my cat in for her shots and learned that she was diabetic! The initial outlay was huge. I was in the vet's office that first week four out of 7 days with weekly visits for the rest of the month! When I submitted the bills I was pleasantly surprised at how NICE their customer service rep's are. (That's something they can't really tell you on their website.) And ultimately, after checking out her medical history, they covered the expenses as advertised.
5

out of 5

POSTED: | BY: Debbie K.

Fabulous Coverage!

When I got my puppy my vet told me the only insurance to get was Embrace. I had heard others complain about their pet insurance so I signed up immediately. I recently submitted my first claim and was extremely pleased with the response and amount I was reimbursed. I'm so glad my puppy has Embrace coverage! I recommend it to all of my friends.
5

out of 5

POSTED: | BY: Claudia Kay

Dependable and caring company!

I have been so very pleased with the many insurance reimbursements I have received in the past year. I am so thankful that I decided to go with this company and would highly recommend it to anyone. ALL of my future pets will be covered by this wonderful company!
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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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