Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Ron

Extremely satisfied

We are very happy with our choice of embrace insurance for our 2 dogs. They have covered everything that we contracted to be covered and the reimbursement has been simple and quick.
5

out of 5

POSTED: | BY: Tom

All pet owners need Embrace for their furry family members.

Embrace has come through with perfect coverage for our family of pets for many years now especially as our girl dogs have entered their senior years. They have a truly dedicated staff that offer wonderful service and have shown that they personally care about the health and well being of our dogs.
5

out of 5

POSTED: | BY: Mary Kay

Easy company to work with and fast turnaround for claims processing

Embrace has been an easy company to work with. I have always been able to get someone on the phone to answer my questions, and the turnaround time for claims processing has been very quick. Staff have been pleasant and professional in their communication.
5

out of 5

POSTED: | BY: Carol

the best pet insurance

This is the 4th pet insurance company that I have had in the last 20 years. This is the only company that I have liked. They are amazingly kind and responsive. They do an amazing and rapid job of processing claims. I am a health care provider myself. I wish that the claims that I file for clients went through as smoothly and quickly as the ones I file with Embrace. I recommend your company to anyone who has a pet.
5

out of 5

POSTED: | BY: Julie Davis

Grateful for Embrace!

Getting Embrace for my 9 year-old Westie Pepsi Rex has been one of the best financial decisions of my life. Pepsi was diagnosed with diabetes which is a chronic, serious condition and without the help of Embrace, this devastating development would have been even worse. They have been fantastic at covering 80% of Pepsi's claims after a yearly deductible is met and they pay quickly. Customer service is wonderful.
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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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