Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: sam hallyburton

Prompt service and easy filing

I’ve always had prompt service from embrace. I typically have a check within a week of filing and really have zero complaints after 20 years. Customer service is friendly and responsive. In the recent year or so filing has become even easier. Great company!
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5

out of 5

POSTED: | BY: GEMcCowin

Such a breeze!!!

The claims process has been a breeze. My dog has gone through a series of visits to diagnose her lame leg. Embrace accepted the claims with ease and made prompt reimbursement which really let me worry less about the insurance and more about helping my fuzzy 4-legged friend heal faster!
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5

out of 5

POSTED: | BY: Customer

Submitting claims is easy and the…

Submitting claims is easy and the response time is incredibly fast.
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5

out of 5

POSTED: | BY: Sabrina Stewart

We love it! Although pet insurance has become…

Although pet insurance has become costly. I actually pay more for my pets insurance than I do for myself. We have now been with Embrace for over five years and we've had great service. It's very easy to file claims and also it's easier that they can just direct deposit your refund back into your account.
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5

out of 5

POSTED: | BY: Janice

The Best!!

Every claim I submit is reviewed with a day or two. A check always arrives within a week, usually sooner. Your customer service is amazing!
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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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