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: Kirsten Fitos

Awesome Customer Service!!

My cat is quite old and has kidney disease. She visits the doctor a couple times a week for fluids and takes several medications. She's doing really well, which helps, but what helps even more is that Embrace is reviewing and approving my invoices the SAME day I submit them, and the reimbursed funds are usually in my account the very next day. To me, this is INCREDIBLE customer service. I've been using Embrace for 20 years, and I've never had a problem.
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5

out of 5

POSTED: | BY: Arthur Migliore

Embrace for life

We have had Embrace for the life of our 15 year old cat and every claim we submit, gets paid promptly. Last quarterly blood test, checking on his thyroid and kidney disease, was submitted in the morning and approved by the afternoon; same day!! Not kidding!! If you believe in insurance for your pets, this pet owner highly recommends Embrace, 1000%!!
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5

out of 5

POSTED: | BY: Jodi Lovell

We have been very pleased with Embrace

We have been very pleased with Embrace. We’ve had quick responses and reimbursement. Vet charges have sky rocketing as vet practices have adjusted to their higher costs. Pet insurance is needed and this one does the job.
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5

out of 5

POSTED: | BY: Diane

Filing a claim was very easy!

Filing a claim was very easy and I received a prompt response. Deposits via direct deposit are quick. Thanks
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4

out of 5

POSTED: | BY: Kristian Stevens

So far it’s been okay

So far it’s been okay. Our first couple of claims kept getting denied for false preexisting conditions but after we appealed and had our vets explain that Embrace was wrong in denying it. Embrace finally accepted the claim and gave us a refund. Seems to be great but you have to make sure your notes from the vet are perfect and make sure Embrace doesn’t just deny your claim for a dumb reason.
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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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