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: Beverly

Excellent insurance, excellent customer service

Embrace provided excellent coverage when we needed it for a serious autoimmune disease and hospitalization. Claims processing was prompt and easy.
5

out of 5

POSTED: | BY: stephie

very happy

my dog Shanelle had a bad Bladder infection they handled it very good and fast, I'm very happy i only had to pay my deductible
5

out of 5

POSTED: | BY: Kim

So thankful for Embrace!

We've had coverage for our dog since 2014. Never filed a claim until three weeks ago. Our Beagle missed jumping onto the sofa and ended up needing spinal surgery that was over 5000 dollars. Embrace paid 80% and because we had never filed a claim the deductible was only $50. Thank you Embrace!!!!
5

out of 5

POSTED: | BY: Kathy

Great communication and service

I have had Embrace insurance for 2 dogs for over 5 years. Notifications are sent out from the time claim is received, processed and approved. Couldn't ask for more. Having good pet insurance, takes a lot of stress of worry out of managing your pets health, especially when there is a serious health problem. Thank you.
5

out of 5

POSTED: | BY: Pamela

First claim-very pleasantly surprised by how easy

It's been 10 years since we had pet insurance and at that time, had another carrier. Cannot believe how quickly they followed up on our first claim. Especially surprised considering our vet visit was 12/21 and our vet sent in the claim. We received an email notification regarding reimbursement 12/28. Had issues logging in to see the results since could not remember password. Agent reset by phone and answered all questions that I had. Even though we're on the west coast, their customer service hours are convenient 8:30 am to 8:00 pm EST.
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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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