Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: David

We selected the right company for our cat.

I would highly recommend this company to anyone looking for Pet Insurance. If I had to sum up my opinion of these folks in one word, it would be "honest". No hidden terms or conditions, no fine print, no run around! In fact, we recently had our Molly at the vet's and I made it clear to them, that if anyone is inquiring about insurance for their pet, they would do their patients a service by recommending EMBRACE without reservation.
5

out of 5

POSTED: | BY: michael

my experience

without a doubt Embrace is the best. my claims were finished in a timely manner. when I asked for help they were there from the start and answered all of my questions.
5

out of 5

POSTED: | BY: Darcie

So happy we had Embrace!

We are so happy that we invested in pet insurance. We had a previous bad experience with another insurance company with our older dog so we took time to research the companies before purchasing insurance this time. In our opinion, Embrace had the best plan out there with the choices they offered including the wellness option. We got the insurance not long after bringing our puppy home-he was 3 months old. We didn't want to wait and then have to be concerned about pre-existing conditions. We didn't think we would need to use it so soon but he recently had a visit to the emergency vet and then a couple day stay at the vet with vomiting. We knew the bills were going to be high but we wanted him to have the best care possible. Knowing that we had Embrace made us feel a lot better. It was so easy submitting the claims online and it took a few days to get additional medical records from our doctor but there were no issues and the claims were paid quickly. We are so happy that we have EMBRACE!
5

out of 5

POSTED: | BY: KDM

Awesome Customer Service Hands Down

When I compared Embrace to other companies, on paper Embrace was by far the best. I am happy to see that they are not just amazing on paper. From the plans they offer, to the claim reimbursement process, to the customer service....I must say they are the BEST. They are not the type of company to try to get over on you. Everything I am entitled to is clearly articulated. I have absolutely no complaints.
5

out of 5

POSTED: | BY: Erica

Easy and Responsive

Embrace is claims are easy. Finding, filing and submitting paperwork is easy. Viewing your policy, and claims is easy too! They always complete claims within a couple days. They send messages if needing further information and respond quickly.
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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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