Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Muriel

Pleased with rapid responses and explanationsTo all inquiries

After first being denied payment we were disappointed. However as soon as accurate diagnosis made and with appeals from our vets, you acted quickly to review and pay claims. Your rapid communication really makes a difference. We always know what you are doing and what, if anything, we need to do to expedite process. We are most impressed
5

out of 5

POSTED: | BY: Dr.

Customer Service

I love having Embrace Pet Insurance...the customer service is always "top notch."
5

out of 5

POSTED: | BY: Dean

Excellent service

Embrace has been very responsive too our cats medical needs.
5

out of 5

POSTED: | BY: Gayle

Wow-Just in the nick of time I EMbraced EMBRACE!

I have always had small pets and cats. Finally got around to getting pet insurance for my Aussie Mist. Embrace recommendation via my vet. I liked the interaction when I called Embrace and the wellness reimbursement. Also, credit for spade-neuter. Well, had NO idea young cat thought she was a dog and ingested Pom poms. Thankfully, she did well with surgery. She will never be a show cat- but we love her! Thank you Embrace.
5

out of 5

POSTED: | BY: Melissa

Great and quick service

I got pet insurance for my Bernese Mountain dog because I heard stories from other owners about how prone this breed is to injuries or to eating foreign objects and needing surgery. I never thought I’d have to use it because my dog got hit by a car. In a very stressful time, I was worried my experience with Embrace would be like my experiences with car insurance, home insurance, etc. I was glad to find it was NOTHING like my other bad experiences. The staff is kind, patient, and knowledgeable. They say claims can take 10-15 days but it only took 3 business days for them to start reviewing/accepting my claims. It doesn’t feel like they’re just trying to make money off of you, it feels like they are happy to be able to help provide healthcare for your pet. They’re able to explain to you exactly why your premium is what it is, and I really appreciate that transparency. I highly recommend pet insurance for everyone, but especially insurance through Embrace.
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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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