Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Alan Haefner

Best Pet O surance

Embrace allows you to choose your coverage, deductable and quality of insurance, provides pre-existing time frames and has an easy online claim system. In a 6 month period I had one emergency surgery claim and and 1 Iinfection treatment claim. Fast, easy and fair.
5

out of 5

POSTED: | BY: Susan Banks

Awesome company

I unfortunately have a dog with numerous medical issues but feel less overwhelmed because of Embrace. They are a terrific company. They make it so easy to submit claims and are very responsive to questions. Claims are processed fast. I have zero complaints. Would highly recommend
5

out of 5

POSTED: | BY: Angela Peacemaker

Simple, Fast & Worth It

The process to sign up & submit claims is simple & easy to use. The turn around time for a claim is only a few days. When I’ve had questions, someone is always there to explain things to me. Excellent customer service. I’m really glad I chose Embrace.
5

out of 5

POSTED: | BY: Nancy Hatcher

Professional patient and expedient claims adjusters.

Riley's issues are complicated but I find the claims personnel very patient in reviewing and answering all my questions. They go out of their way to find every last penny to return to me. It is so appreciated. I was using another insurance company prior to Embrace and I was nickeled and dimed to death. I deeply respect the fairness of this company.
5

out of 5

POSTED: | BY: Kathryn Mercado

They are the best,

They settled my claims with no questions. They care about their clients.
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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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