Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Deidra

Website is easy to navigate

Website is easy to navigate, and upload all required documents for claims. The turnaround time for refunds once the claim has been reviewed and a decision made is one day if you have direct deposit. Overall experience with Embrace is excellent with no complaints. Thank you Smile
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5

out of 5

POSTED: | BY: Janet Lomita

Embrace great value great service. in their assessment was…

Embrace in their assessment was thorough and fair. They reviewed my claim using exactly the criteria outlined in their manual. They have demonstrated time again. they truly care about my dog. I would recommend them unconditionally.
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5

out of 5

POSTED: | BY: AB

We love Embrace for our Dane

Embrace is a wonderful company to work with. While their rates do increase quickly with the age of the dog, I have a large breed and understand that these dogs can be expensive to treat when they get sick. We have never had a problem with sick visits and medications being covered for our pup- she has had Embrace coverage since we got her at 2 months old. When you call for customer service, you get a real person, on the phone, without ridiculous wait times. In terms of companies to work with, Embrace is one of the best we have experienced.
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5

out of 5

POSTED: | BY: RWyrick

Seamless Process

Clear instructions on how to categorize claim. Easy to upload receipts.
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5

out of 5

POSTED: | BY: Asia

I love embrace insurance

I love embrace insurance. I got my reimbursement right away after I submitted everything.
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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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