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: Christina

Claim Processing - A+

We have been an Embrace customer for three years now, and we have had nothing but great success with our claim processing whether it is a Wellness or Illness Claim. I just recently submitted my pet's Wellness Claim from October 27, 2017, and they just processed my refund today! It only took four days to have all of our paperwork processed and the deposit sent to my bank account! Awesome customer service too!
5

out of 5

POSTED: | BY: Osweiler

Extremely pleased with the claim experience.

I really appreciate the ease of submitting the claim all done on-line, quick and efficient. The explanation of benefit was the best. It clearly showed what was on the Vet bill and what they covered and the amount. Much better then our previous insurance company. Very pleased with the whole process.
5

out of 5

POSTED: | BY: Laura

Great service

Its comforting to have this for my babies. thanks
5

out of 5

POSTED: | BY: Susan

I wish there were insurance for people as good as this insurance for our dog!

Claims are processed quickly and covered as promised. Rates are not increased if your pet simply had a bad medical year. Embrace is honest, ethical and reliable. I think it is the best pet insurance out there. No question.
5

out of 5

POSTED: | BY: Margie

Swift Response to Claim

Love Embrace Pet Insurance having my back during times when my doodle isn't feeling well. Embrace communicates when I file a claim immediately. They are courteous, kind and care about my pet. If you feel you need to speak with them, all you do is call and somebody will answer the phone or email them. It's so easy and fast. Thank you Embrace!
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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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