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: Janet

Peace of Mind

I have insured 2 beagles with Embrace insurance and have never encountered any problems with submitted claims. Having this insurance gives me peace of mind that I will be able to afford treatment that is needed. I have found the process from submitting claim to payment very efficient!
5

out of 5

POSTED: | BY: Mai

Embrace is amazing! I recommend it to every pet owner I meet!

Embrace is always quick to reimburse me after any veterinary visit or prescription refill. The claims are easy to submit -- via fax by vet's office or through a scanner PDF as email attachments -- and Embrace always communicates to me about the status of my claim. They even email me to check to see if my reimbursement had gone through. As much as we love our furry companion, Embrace loves them too with clear communication and fast service. Maila's most recent accident entailed an overnight stay at an emergency clinic, shots, fluids, medication, and surgery. Without Embrace, I would have had to find over $3000 to keep my baby alive. Solely from my experience from the first policy I purchased and on, I recommend Embrace to every pet owner I know (They have no referral program that I am aware of).
5

out of 5

POSTED: | BY: Lauren

Quick turnaround

Embrace has been great! The claim process is so easy and turn around time for repayment is quick, they even offer direct deposit! Customer service is great, I never have any issues with my many questions being answered.
5

out of 5

POSTED: | BY: Judy

Claim got paid, and it was fast

The claim process was fast and fair. My vet submitted the claim, I got an email telling me that it was under review, then an email telling me it was approved and the amount I would get. Very easy. Worth it.
5

out of 5

POSTED: | BY: Stepfanie

Great experience

Embrace made it possible for us to get our dog the care she needed to save her life during the holiday season. We had no problems with submitting claims or getting approval. Nothing we've submitted has ever been denied and the process is incredibly quick and easy. Thanks Embrace!

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 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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