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: Kaitlin

Great investment

When my boyfriend and I brought home our first puppy everyone told us how expensive dogs can be, especially as puppies when they tend to get into some trouble. I purchased Turbos Embrace policy when he was about 3 months old and although he's extremely active, he never chewed furniture or ate anything he shouldn't. He's now 10 months old and I've debated with myself weather it was worth it to keep this policy when he's such a well behaved dog. About 2 weeks ago, Turbo out of the blue decided to eat three pairs of underwear. He had radiographs, an ultrasound, and an endoscopy to ensure he would be alright. Embrace paid the claim within 10 days time and I am edtreamly satisfied with their service. I would highly recommend pet insurance to all fur-parents out there!
5

out of 5

POSTED: | BY: Bob

Good job!

Your staff answers questions in a timely manner. It’s great you can deposit directly in my checking account. Now if you can can do it in less than a week, that rates a 10!
5

out of 5

POSTED: | BY: Fred

My claim was totally "user friendly" to submit and was promptly settled to my complete satisfaction.

The way Embrace handled our claim was amazing. The online form already contained necessary information which made it so easy to complete and submit. I received an email almost immediately saying the claim had been received. It was reviewed and settled within 3 days.
5

out of 5

POSTED: | BY: Ramon

Very helpful in fulfilling claims during the loss of our Pet, due to a sudden illness.

All testing and examinations for our loved pet were reviewed and covered within 5 business days. Unfortunately the sudden illness was terminal. Misha provided much love and comfort in our lives....she is missed but not forgotten. Thank You Embrace for your sympathy card and candle lit in Misha's memory.
5

out of 5

POSTED: | BY: LAUREN

Great customer service

This was my first set of Embrace claims and I did it wrong - without the diagnosis. The claim staff helped me fix my mistakes and get everything processed. Really appreciated the help and explanations.

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 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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