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: Carmine

Quickest, most courteous claim management

My 6-year-old kitty was sick with GI problems that required some fairly expensive tests to determine the source of her illness. The bills totaled over $600, and I am so glad I had Embrace insurance to cover 80% less my deductible. Embrace has devised the most customer friendly reimbursement procedure I have ever encountered. I faxed a simple one-page form, complete with vet's notes and signature, and got an immediate reply from Embrace. In less than a week, I learned that my claim had been covered, and the refund was directly deposited to my checking account. One experience like mine pays the annual premium for this excellent pet insurance.
5

out of 5

POSTED: | BY: Denise

Embrace is a lifesaver

I researched insurances before I purchased Embrace and I definitely made the right choice. I figured that after I got insurance for my rescue I'd have NO issues with her, but go figure. Getting Embrace for my girl was the best decision I've made.
1

out of 5

POSTED: | BY: Katherine

Avoid Embrace

Embrace continues to deny valid claims and make claims process a total misery. Prepare to have every valid claim rejected, have to torture your poor vet to send the same records multiple times and to have to call or follow up on most everything. And you’ll be lectured about your policy terms while you pay premium every month. Finally had a claim covered for giardiasis. But they deny coverage for diagnostic test as wellness? Really? Do they think stool testing to diagnose a covered illness is recreational? Just hopeless. Do not buy a policy from this company. It’s an endless nightmare.
5

out of 5

POSTED: | BY: Maria

The best in every aspect.

I was clueless when it came to buying insurance for my fur babies. A co-worker suggested Embrace and I'm so glad I did! They have been absolutely the best, being so patient with my many questions and concern and always making me feel that my fur babies and myself are important. Their online portal is a breeze. Thanks for everything guys !
5

out of 5

POSTED: | BY: Sharon

Embrace has been a joy to work with, it's simple, easy and fast.

I've been very impressed with Embrace insurance for my dog. All of my claims have been handled with dedication to detail.
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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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