Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Guadalupe Higson

Excellent customer service and friendly staff

We’re very satisfied with this insurance and we feel our furbaby is covered with everything. Our Veterinary Hospital recommended and we really appreciate the customer service.
5

out of 5

POSTED: | BY: Elsa Bellizzi

Completely Satisfied with Fairness of Evaluations of Claims and Quick Reimbursements

Stared Embrace with my little Maltese Bailey who had a pre-existing condition with a valve in his heart. Although that was a prior condition, Bailey had a new condition that appeared with his spine which required some extensive diagnostics and Embrace was great and very quick in evaluating and providing coverage for claim and is also very quick and fair with reimbursement. Staff on phone is ALWAYS friendly and caring. Extremely happy we went with Embrace. Thank you, Embrace!
5

out of 5

POSTED: | BY: Libby

First wellness claim filed easily with rapid results!

We transferred to Embrace because they offered the basic same coverage as Pet Plan for a cheaper rate including adding wellness visits. Forms downloaded easily, not complicated for vet, and easily faxed. Embrace emailed me acknowledging receipt. In a couple of days, I received notice of approval and that the check is in the mail. Just began with Embrace but I am extremely satisfied.
5

out of 5

POSTED: | BY: Juliette Joyce

I love Embrace!

Hassle free claim processing and completed within days! I am so grateful to have Embrace!
5

out of 5

POSTED: | BY: Juliette Joyce

Fantastic Insurance

My poor little girl Nike had a CCL tear and required a TPLO surgery. All costs to date including the surgery has been approved paying 80% of all my expenses. To date, our reimbursements has totaled $5700 and I can't say enough good things about Embrace. I have had them for 7 1/2 years with my first dog and always had positive, professional and hassle free experiences when filing a claim. I am so grateful to have Embrace during this stressful time. It made all the difference not having to worry about the costs. We had no restrictions on choice of Vet, and I feel we had the best possible care with the best surgeon at a top notch facility! Thank you 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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