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: Lisa

Great pet insurance

My boys, Mario Joseph & Rory James have had Embrace since 2015. Having pet insurance has helped my sister and I have financially and it's nice to know that Embrace processes the claims in a timely manner. I would highly recommend.
5

out of 5

POSTED: | BY: rosemary Appelt

Great insurance you have

I did not have the insurance on my rescue and it cost my paycheck to give her a fighting chance. Since then I wouldn't have a dog without it. It takes away having to make a painful deal because you can't afford treatment I am so glad we have embrace now with our weims. One just finished chemo embrace covered 90 percent. He is in remission now so we cherish every day
5

out of 5

POSTED: | BY: Nancy Kouraklis

Very smooth, friendly process

This is the first time I have submitted a claim for pet insurance. I was quite pleasantly surprised at how easy it was to submit my claim. The person who helped me on the phone was friendly and patient and answered all my questions. Best of all, my claim was settled fairly and very quickly.
5

out of 5

POSTED: | BY: Isabelita

Peace of mind.

We have two cats. We are Embrace member since 2013. We are grateful that we found Embrace. Excellent service.
5

out of 5

POSTED: | BY: Michelle Juette

Blown away by the customer service and attention to details

First time I've purchased pet insurance and this is on my Australian Shepherd youngster. I got the insurance policy AND the Wellness Rewards policy to boot. Because Fizz is young, I opted to schedule him for a wellness check to fill out the orthopedic exam for waiver of waiting period (rough and tumble boy!) I got a reminder that Embrace had not received it (Vet's office was faxing in, but sometimes those things fail), so I sent an email with the Filled/signed form from the Vet, as well as an image of the bill that I paid for that appointment. I never thought about it falling under the Wellness Rewards, I simply sent it to show that it was actually performed at the Vet's office. Next thing I know, I've gotten an email 3 business days later confirming they received my form and the waiver is applied on the orthopedic side, and 3 business days after that an email confirming they've accepted, processed, and paid for that visit under my Wellness Rewards and a check is on it's way! I think there's a whole lot of industries out there that could take a lesson in how to take care of your customers! Thank you so much!!

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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