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: Ralph

Peace of mind knowing the bulk of the cost associated with neurological testing was covered by this insurance

After having my 6 year old beautiful golden retriever experience epileptic seizures lasting almost 4 hours and taking her to 2 difference veterinary facilities, we were advised to go see a neurologist at a 3rd facility that specialized in animals to advise if our family pet had brain cancer or something else. By having this valuable insurance, we didn't have to worry how were we going to pay for the rather expensive & extensive testing performed (over $2,500.00!). Our fur baby is now under medication and returning to a normal life. Thanks Embrace Pet insurance for making a really rough day more manageable knowing our financial commitment was greatly offset with your insurance. Big Thanks!!!!
5

out of 5

POSTED: | BY: Sam

No hassle, quick response.

All claims handled quickly with absolutely no hassle. All claim documentation readily available online.
5

out of 5

POSTED: | BY: Roxann

Always a super speedy response. Most efficient insurance I’ve ever dealt with.

Thank you all so much:). Great service always!
5

out of 5

POSTED: | BY: Diana

Claims are handled expeditiously.

I appreciate how quickly my claims are fulfilled & the money is directly deposited into my bank account.
2

out of 5

POSTED: | BY: JJ

I shouldn't have to call four different times to confirm my claim was made.

I had to submit my claim four different times to embrace for them to finally receive it. My vet sent it through fax and email each time. The stupidest thing? Embrace says they had no history of the exam my cat took to get on the claim. That's right, they said that the exam that they required for me to get my coverage started, that they wouldn't have been able to start my coverage without, they had no record of. I was pretty irritated. On the fourth phone call, I finally got confirmation that they received my claim. This was just for a regular exam with some bloodwork. I can only image how bad it would be if it was a serious claim.

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