Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Leonard

Claims are processed efficient and fast…

Claims are processed efficient and fast with excellent communication. The only reason I did not give a 5 star rating is because premiums go up significantly every year. I have a 3 year old retriever with almost no medical claims (spaying at 6 mos.) Almost all claims are annual checkups which are covered by a separate policy which is really a pet HSA policy. My fear is as my dog gets older and will need the medical insurance, the premiums will be more than I can afford.
5

out of 5

POSTED: | BY: Kathy

Embrace Has Been Great

Embrace has been great so far. We have never had a problem with claims. They are reasonably priced , efficient, courteous , and honest. I recommend their insurance . Our pet has had some unexpected health issues , and embrace has been there for her the entire way.
5

out of 5

POSTED: | BY: Lumina

Excellent insurance

I have been using Embrace for several years. They have been prompt and have covered their portion of my dogs bills without problems. Rosie had a mast cell tumor which was removed and has follow up checkups. She is also and older dog with some mobility problems which I am having treated. Embrace is an excellent insurance company!
5

out of 5

POSTED: | BY: Catherine

Embrace is a wonderful company

Embrace is a wonderful company. We made a claim for our dog when she had minor surgery to remove a broken and torn toenail. The claim form process was simple and fast. We received progress reports from Embrace when they received, processed and sent out the claim check. The whole process took a couple of weeks from beginning to end. We are very satisfied.
5

out of 5

POSTED: | BY: Joe

Great Service

I have been a customer of Embrace for 6 years now. The wellness visit reimbursements are always handled very quickly! In addition, my Bernese Mountain dog had an expensive elbow issue that was promptly and fairly covered. When he became ill at the end of his life, all those bills for x-rays and testing were also promptly covered. I can not say enough good about their service and caring. I remain a customer with my current two Bernese mountain dogs. Highly recommend.
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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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