Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Celia

Wonderfully quick claim processing and fair claim payment

This is now the 4th or 5th claim processed thru Embrace for my pup. Each time the claim has been processed quickly and fairly. Easy peasy.
5

out of 5

POSTED: | BY: Margaret

Great and easy processing

Prompt, professional service as well as ease of claim processing. Greatly appreciated.
5

out of 5

POSTED: | BY: Sharon

Great Experience after hospitalization

Our dog was hospitalized with vomiting and refusal to eat after being seen the day before for lethargy. Embrace covered exactly what our policy said they would, 80 percent of the bill after the $500 deductible. We’re so happy we chose this insurance!
5

out of 5

POSTED: | BY: Debra

Thank goodness I heard about Embrace!!

In June, 2018, I purchased policies for my two youngest rescues -- Zoey (6 year old Morkie) and Bella (2 year old Bichon Frise). Just a month later, I noticed ugly looking bruising on Bella's tummy. After seeing my vet and blood work we were sent to a critical care vet hospital in San Antonio. $2,000 later, my sweet Bella was on the road to recovery and we were able to go home the same day. The procedure to submit the claim form and invoices was simple and quick, and Embrace kept me apprised of all updates while processing the claim. Replies to my email questions were received within hours. And benefit payments (by direct deposit) were received within two weeks. I could not be happier with Embrace and highly recommend them to my pet parent friends.
5

out of 5

POSTED: | BY: Sandra

Impressive response to our claim.

Wonderful service. Your company could teach many other organizations about customer service. Thanks
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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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