Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,857

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: Charlito Angeles

Very low stress process given that we…

Very low stress process given that we were already dealing with a lot of stress regarding our Dog testing his ACL. Embrace was magnificent to deal with and the process was seamless. Thank you!
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5

out of 5

POSTED: | BY: Jacob Dalton

Easy and awesome!

The claims process was quick and painless, very easy to got through the steps and submit. Payments for approved claims came in very quickly as well. Very happy with our experience and will definitely do business with Embrace for all our future fur babies.
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4

out of 5

POSTED: | BY: Katherine A Arth

As happy as I can be with an insurance company

Overall I'm really happy with the quick service and reimbursements through the claims process. They process claims within a few days, reimburse within 2 days of that and haven't questioned any of the claims that I've submitted. I recommend Embrace to other people I know when we speak about Pet Insurance. I got the plan where 90% is covered after a $750 deductible and it relieved a lot of the stress when my dog got bit and needed stitches.
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5

out of 5

POSTED: | BY: MERRIE RANCOURT

Best Decision We Made

We bought pet insurance when Sofie was just a few months old. We figured we would probably never need it but wanted it in case we did. Nine years later we needed it. Sofie was just diagnosed with Cushing's Disease. Embrace stepped up and covered her expenses. We would have borne the expense of her testing and treatment otherwise. There were no problems filing her claims. It was all handled quickly and smoothly, easing our stress in the process.
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3

out of 5

POSTED: | BY: Lisa Berglund

Embrace doesn't allow ALL CHANGES…

Embrace doesn't allow all CHANGES (increase in coverage) at renewal although I was told I could make changes at that time. Also, every illness is considered pre-existing....even curable illnesses....and will not be covered in the future, should you decide to re-write your policy. Other companies will include most 'simple' illnesses after a 180 day wait period. Great claims experience but poor customer retention.
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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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