Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Fiona

Very good customer service. Claims are processed quickly.

I've had a very good experience with Embrace. Customer service is very helpful and knowledgeable. The claims are processed quickly. It's very easy to upload the invoices.
5

out of 5

POSTED: | BY: Neil

Takes time but they get the job done

I have been working with Chanel for several weeks to get all the paperwork submitted from the vets, she was very very helpful and gave excellent suggestions on how to get the clinics moving on submitting. Once notes were attained, processing was good. Premiums are average, other companies are higher and some are lower, but one gets what they pay for.
5

out of 5

POSTED: | BY: MICHAEL

Best decision I ever made.

Could not be happier with the decision to get Embrace when we rescued Daphne, our Great Dane. We've utilized the insurance many times over the last several years and it has been a pleasure to see how easy and painless it is. The people could not be friendlier or more helpful. You will not be disappointed.
5

out of 5

POSTED: | BY: Michele

Good to work with

Embrace is very easy to work with. I wish people health insurance carriers were as easy.
5

out of 5

POSTED: | BY: Deb

Fair and ethical pet insurance company

Now that vets have all the same tools as people doctors (MRIs, lab tests, radiation, chemo,etc.) vet bills run pretty high. When Molly was a pup we decided to get insurance. After researching it and comparing we settled on Embrace and I’ve been very pleased. I like that you only meet the deductible once per year (not per ailment) and they’ve always responded to claims within two weeks and never contested anything our vet sends them. Some years we may have paid out more than we used but other years it’s balanced out. I definitely recommend Embrace. I love the wellness policy too.
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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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