Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Anna

Embrace Pet Insurance is absolutely a…

Embrace Pet Insurance is absolutely a life saver. We have had the top line policy for out kitty for years, and I can't say enough good things about the claims process. We've never had any trouble getting reimbursed what we are due under our policy. The claims process is super quick and easy, with all of it being done with an online portal where you upload your itemized vet bill. And the few times I've had to talk to a customer service representative, they've been abundantly friendly and helpful. I have recommended Embrace to several friends, and they've also been incredibly happy and grateful for the coverage.
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5

out of 5

POSTED: | BY: judith dawson

Customer Service is OUTSTANDING

Customer Service is OUTSTANDING. The ease in which claims can be filed is OUTSTANDING. Payment is quick, explained in detail. If they would write MY health insurance I would insure myself with Embrace!
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5

out of 5

POSTED: | BY: Steve C

Quick claim processing

My cat had a blocked urethra which required 4 nights in the veterinary hospital and a total of over $8,000 of medical expenses. Embrace filed the claims on a timely basis and sent me my reimbursement amount quickly. The customer service reps are fantastic!
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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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