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: Donna

GREAT job correcting claims

Filed 2 Wellness Claims for my fur babies. Due partially to the way my vet's invoices print both dogs visits on same invoice, the claims were mixed up between the two and not all of the Wellness Claims were being paid. Peter in Customer Service was incredibly professional and quickly understood my issue. He moved it forward with corrections and I've already received notification of EOB changes. Outstanding! Thank you!
5

out of 5

POSTED: | BY: Andrew

Best Pet Insurer around

When we originally purchased the policy from Embrace for our French Bulldog puppy, we had no idea what the were about besides reading a few reviews. The ultimate reason we chose Embrace was the affordable cost over a few other pet insurers I received quotes from. It pains me to say that this is the second time that we have used Embrace in two years for our Frenchies eyes. He only has one eye and when he injured it a few weeks ago, we were willing to do anything we could to try to save it. So far so good as we are continuing treatment, but lots of bills were pilling up. I simply had the vets fill out the prefilled claim form and I scanned them directly to Embrace through the Embrace portal. To my amazement, they have covered everything so far minus our deductible. I can’t say enough kind words about the Embrace staff and company as a whole. They truly care about pets and pet owners through stressful times.
5

out of 5

POSTED: | BY: Andrea

Easy to deal with

Embrace has been wonderful to deal with through the entire process, from choosing a pet insurance carrier to filing a claim. We did the orthopedic exam waiver and chart review when we got the insurance . When I filed a claim for an orthopedic issue 10 months after getting insurance it was covered. Our vet sent in the claim forms and about 1 week later I received an email saying it was covered and a check was in the mail. Thanks Embrace!
5

out of 5

POSTED: | BY: Nancy

very responsive company

I have had a very good experience with Embrace. They have been responsive and sensitive. I recommend them
5

out of 5

POSTED: | BY: LeeAnn

Outstanding service

Embrace has been outstanding to us. Not only do my claims process quickly and with ease, but I get phone calls asking about how our dog is doing. One of the best purchases I have ever made!
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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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