Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Robin Garcia

I can't say enough good things about…

I can't say enough good things about embrace. They've really come through for me and saved me from major financial ruin. I recommend them to everyone I know.
5

out of 5

POSTED: | BY: Bill

Recommend none other

Claim submission is easy and they are fast to settle claim. Web pages are easy to navigate, and when needed to adjust coverage very simple to do. Recommend to anyone having a pet!
5

out of 5

POSTED: | BY: Adam Mejias

The site user friendly

The site user friendly
5

out of 5

POSTED: | BY: Robin Finney

Easy to submit claim

The app makes it very easy to submit a claim. My vets office helped immensely.
5

out of 5

POSTED: | BY: LAURA BEREND

Outstanding company

Our dogs and cats have been insured by Embrace for over a decade. We currently have a senior lab/husky, one cat who is astonishingly the queen of the house at 20, and three other cats. Embrace has insured other animals in the past, including a dog who we recently lost after an extremely difficult year. Embrace has been an essential partner in insuring that our four-legged family receives excellent medical care. This company offers a choice in coverage and deductible. We did not opt for the wellness coverage. The traditional coverage also includes acupuncture, chiropractic, and integrative medicine care, all of which are increasingly mainstream and very effective care. The Embrace website is clear and very easy to use. Phone calls have always been answered by friendly, knowledgeable, compassionate representatives who quickly respond to questions and obviously love animals. Email provides the same excellent service. Invoices are very easy to submit either via email, fax, mail, or a phone app. I use the phone app exclusively now unless Embrace has a question that requires an email response. Like the website, the app is easy to use and there’s an acknowledgement of receipt within a day. Claims are processed quickly and reimbursements are made via direct deposit to our checking account within a few days.

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 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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