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: Vita Somers

I absolutely LOVE Embrace Pet…

I absolutely LOVE Embrace Pet insurance! If I have a simple question, I can just call and usually get a very quick response, with an actual human being!! (No phone tree here!) I have 2 Australian Shepherds and my vet bills can be very high at times. But I never have had to hold back on getting them the treatment that they need because I know that I have an excellent insurance plan with Embrace, and that I will get a certain percentage of that money back. Also, they have updated their site, so now you can submit claims directly online and receive your insurance payment through direct deposit. Easy, peezy!
5

out of 5

POSTED: | BY: Gloria Stayman

Love Embrace!

Embrace is so good to us, and they make it so easy to file a claim.
5

out of 5

POSTED: | BY: Robert Smith

I have not had this insurance long and…

I have not had this insurance long and have not yet had to submit a claim, so I cannot at this time speak to a claim's experience. However, I did request a medical review be done so I could document any pre-existing conditions and Embrace accomplished this in a reasonable amount of time. Also, I called Customer Service once with a question and the lady I spoke with was friendly, courteous and helpful. So, with what I have experienced to date, I would certainly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Arnita McClinton

I love the timely service I get from…

I love the timely service I get from Embrace and they always send my claims quickly, I would recommend them to anyone in the world. Their prices are very reasonable in prices.
5

out of 5

POSTED: | BY: Chris P.

Best of the best!

The employees at Embrace are always very helpful and answer all of my questions in a timely manner. I wouldn’t trust my pups well being with another insurance company!!

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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