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: Jonathan

They are fair, but processing reimbursements takes too long

Embrace is the only insurer that considered my cat's previous illness as not pre-existing where other would probably have. I did have a chance to use the insurance not too long ago and they paid out as per agreement and provided an itemized detail of what got paid out and what was not. This company is very transparent and this I truly appreciate. What I wish they could do better is processing of claims. On average, payouts are anywhere between 6-8 weeks from filing. They need to improve this to get a 10-rating. But yes, I do recommend Embrace to pet owners.
5

out of 5

POSTED: | BY: Benjamin

I wish my personal health insurance was this good!

I got embrace after my dog blew out her knee and had to have surgery. Obviously they wouldn't cover the surgery as I didn't have the coverage at the time of the incident, and they won't cover any injuries similar or related to her knee injury, but we have used the coverage for anything and everything else for our dog and the process has been the smoothest and easiest I could have ever imagined. Incredibly pleased with this insurance company (I've never said that about an insurance company before!)
5

out of 5

POSTED: | BY: Erika

Good Experience

I've always had a good experience with Embrace. The response time is quick and the reps are friendly. I'm glad to have them on my and my fur baby's side.
5

out of 5

POSTED: | BY: Christine

Really like the service you offer!

I have owned pets for over 30 years and never had pet insurance before. I was told making claims were long and difficult. I am so happy my vet recommended pet insurance! I love Embrace, the claims are easy and the response times are very faster.
5

out of 5

POSTED: | BY: Estelle

Precious help to take care of our puppies

Precious help to take care of our puppies. One of our dogs has been diagnosed as suffering from heart disease (mild degenerative mitral valve disease) and our insurance helps us a lot to take care of him.
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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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