Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Debra Trump

I wish my Health Insurance was this easy to understand

I am very happy with all of my interactions with the Embrace team so far. When I was looking for Health Insurance for my newly adopted puppy I had a lot of questions. The woman who took my call was great. She started and finished the process. She had answers to all of my questions, and more importantly was able to explain things in a way that actually made sense to me. I'm sorry I don't remember her name, because she really sold me my insurance. They have every option you could possibly want for your pet, and I really think the prices are very reasonable. I never purchased insurance for any of my previous pets, but that will never happen again. Thank you Embrace, for making payment and claims as easy as you do.
5

out of 5

POSTED: | BY: Ilana Brown

Very professional and easy to communicate and understand

We are completely satisfied with Embrace!! Your team members are Always courteous and professional on the telephone... and, your website is easy for a lay person to use! Thank you!!
5

out of 5

POSTED: | BY: Alex Knox

Grateful for our coverage

Embrace is fantastic. We adopted an older dog knowing that he may have some health issues. We've made several vet visits in the months since we got him, and Embrace makes it super easy to submit claims. Their website is great and lets you view all claims and their status. Claims are processed efficiently and we receive our refund in a matter of a week or so. So grateful that Embrace enables us to provide the best healthcare for our pup!
5

out of 5

POSTED: | BY: Kristie Beaulieu

Embrace Pet Insurance, when compared to other insurers, rates 5 stars!

Having had other policies with different insurers in the past, I experienced a host of issues when it came to reimbursement. After they nit picked out all the things they were not going to pay for in a claim, you were left with very little (if any at all) reimbursement. One of the biggest differences between all pet insurance carriers compared is that Embrace covers your vet's office visit. Have not found another who covers this expense and it is often the primary expense of your visit. Additionally they reimburse based upon your actual cost, not on a predetermined schedule. Claims are processed expediently and all EOB information is available through your log in. In my opinion, Embrace is, hands down, the best pet insurer on the market today. You even get to choose your level of coverage and deductible!
5

out of 5

POSTED: | BY: Sara R.

Embrace Covered Henry's Chemo

My dog is currently battling lymphoma. Embrace has covered his chemo with no hiccups. I am so grateful as I would not be able to afford this treatment otherwise.

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.

Get a quote today

Leave a review