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.
5

out of 5

POSTED: | BY: Cindy

Excellent claims service!

I have had insurance on my kitty, Shadow, since I got her at 6 months. We recently had to file a claim on her (the first time ever); she's been diagnosed with diabetes. We're working with the vet now to stabilize her blood sugar and I've filed a couple of claims with Embrace. Their claims service was fast and efficient. I am so grateful that I took out this coverage for my baby when she was little. It has certainly made an extremely stressful time a bit easier to bear; no hassle with the claims and clear, understandable explanation of benefits. Thank you, Embrace, for lightening a bit of our load.
5

out of 5

POSTED: | BY: Ariana

Awesome Policy

I CANNOT SAY ENOUGH ABOUT EMBRACE THE PROCESS IS SUPER EASY. THEY ARE THOROUGH AND VERY RESPONSIVE. NOT TO MENTION HOW FAST THEY ARE IN PROCESSING CLAIMS! WISH HUMAN INSURANCE TAKE NOTES!
5

out of 5

POSTED: | BY: Linda

Caring People, Excellent Coverage

I have had an Embrace policy on my last two boxers and have been more than satisfied. I volunteer with a rescue group and have recommended the company for the coverage they provide, the good service, the willingness to consider, and the promptness of payment. I am not sure what it would take to make this a "10" -- maybe higher coverage! Thank you, Embrace.
5

out of 5

POSTED: | BY: Jennifer

Easy, stress free experience

I turned in a claim for a visit to the Vet where my dog was diagnosed with a UTI. My bill was processed within 1 week. No issues, no surprises. Perfect. I wish all insurance companies worked this way!
5

out of 5

POSTED: | BY: Judy

Prompt and excellent

Very satisfied
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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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