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: Andy Torres

Embrace Is the Best Insurance we could possibly have!!!!!!

I have no other words to describe Embrace Pet Insurance and their team other than AWESOME! The best experience I have EVER had with a insurance company
5

out of 5

POSTED: | BY: Ellen Shong

They didn't just COVER, they CARED!

Our beloved Simba developed a blocked ureter and was hospitalized while we were in another state for my Mom's funeral. He was hospitalized there two nights and we had to bring him right off the plane to the hospital at home for another night. Thank God he recovered completely (and Thank God his own vet gave him a 14-day injection of the antibiotic after my husband and I spent three days going thru motions that would have been more appropriate for an episode of I Love Lucy...but never got one pill down him. Because of the timing of Mom's funeral shortly followed by holidays and then some serious medical issues for one of us humans I was VERY slow in getting the claim filed. And the claim was more complicated because of him having three different providers. But an angel at Embrace walked me thru everything -- and even followed up with a phone call the following Monday to make sure all was well. EVERYONE I spoke with was so kind and so helpful. Once filed our claim was paid within a week or so after processing and the processing took only 2-3 days. I was VERY impressed and very pleased.
5

out of 5

POSTED: | BY: Beth

Great company

What a great company. It’s so easy to send in claims and feel confident you can make good choices for your pets care.
5

out of 5

POSTED: | BY: Tasia Simmons

I wish my medical insurance was as easy to deal with as Embrace!

Embrace is very fast on processing my claims and has made this process very easy. I recommend them to every one I know for their pets.
5

out of 5

POSTED: | BY: Teena

Fast

My girl has Lymphoma, which requires weekly treatments over months. I take a picture of the claim form and the invoice, send it to Embrace and I get paid before the next treatment. I do wish they didn’t have a top stop, tho. Scares me when dealing with an expensive disease like cancer. I chose 80% coverage and $14,000 top stop per year.
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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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