Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Kevin

End of life

I've had Embrace as a provider for my dog Buddy for almost his entire life of over 14 years. They have always been very responsive, provided great coverage, and are a good value for the money. Sadly, this was my last claim for Buddy as he just passed. My next dog will definitely be covered by Embrace!
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5

out of 5

POSTED: | BY: Diane Cooper

I was very upset over my pet Grant who…

I was very upset over my pet Grant who suddenly came down with IVDD which paralyzed his hind legs. I rushed him to the best Vet I could find and they performed emergency back surgery. The surgery was 95% successful. When I submitted my claim to Embrace I was so surprised how easy the claim process was, I was reimbursed within 3 business days. Our Embrace family cared about us both so much and I share my experience with everyone I meet, I forward the link constantly to my friends and family. I highly recommend Embrace Pet Insurance there payments are very affordable.
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5

out of 5

POSTED: | BY: Herb Taylor

Superior Plan, easy to submit & receive reimbursement

Easy to use, plan covers everything!
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5

out of 5

POSTED: | BY: Gene Meinen

Easy submission of claims and attentive…

Easy submission of claims and attentive customer service.
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5

out of 5

POSTED: | BY: Ann Frank

The customer service is amazing

The customer service is amazing. Very knowledgeable and friendly representatives. The initial process with the first claim takes a little time but that's just because they're reviewing the animal's history for the first time. My claims were approved appropriately.
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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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