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: Paul

Easiest Insurance Claim Ever

Our $80 Yosemite camping trip turned into an $1100 vet bill. Our dog must have drank a bit too much lake water or something because the next few days at home she was sick with bloody stool. Luckily Embrace makes things really easy to file and claim and retrieve most of the expenses back.
5

out of 5

POSTED: | BY: Linda

I am happy with embrace insurance.

Embrace has been quick and fair in evaluating and processing our claims. I would recommend them
5

out of 5

POSTED: | BY: Erin

Very easy to deal with great customer service.

I have had Embrace for approximately 3 years. Anytime i have a question a rep contacts me back timely. The wellness package is convenient and the claims processing is very easy. The return on the claim is also pretty fast. I would totally recommend this insurance to another pet owner.
5

out of 5

POSTED: | BY: Ellamae

Appreciate the ease in filing claims.

I would not have an animal without insurance. Embrace provides a reasonable protection and a reasonable price.
5

out of 5

POSTED: | BY: Janice

Easy to work with

I had a couple claims with Embrace for my dog, Shadow. They were prompt, courteous and very easy to deal with... When the time came that I no longer needed the insurance due to my girl's passing, they were so kind I was deeply touched. You can tell they really do care about your pet. They really get it how you feel and as a business, it was pretty much no fuss, straightforward fill out the claim, send the receipt and that's it. It was never, ever difficult. And mostly, I found their kindness at the end the best.
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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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