Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kate

Thank you!

Thanks Embrace for the prompt review of our claim for elevated liver enzymes. We've had many and always pleased with the prompt, professional service as we navigate our journey. Keep up the great work!
5

out of 5

POSTED: | BY: Lawrence Todd

Embrace listens and understands

Wellness Rewards claim was paid exactly as expected. There were some small items on the invoice from the Vet that could have been considered medical or Rx and at my request they did not process that part of the bill. So they responded to my emails about the claim almost immediately and they processed the claim and issued payment in a reasonable time. This company is always easy to talk to and they do their best to help insured understand what is going on.
4

out of 5

POSTED: | BY: andrew wall

not sure

when i bought insurance for my two boxers i never really wanted to use it because that would mean that there was something serious going on with one of my dogs when Nicole was diagnosed with a life threatening autoimmune blood disease i had peace of mind knowing i had Embrace insurance in my corner.Thank you Embrace!
5

out of 5

POSTED: | BY: Jessica

Getting reimbursed for my claim was so fast and easy!

My puppy was diagnosed with cherry eye and required an expensive surgery. I was a little nervous about the reimbursement process, but it was actually really easy! My vet ended up filling out the claim, and when it took her office a while to turn it in, Embrace actually reached out to them for me to remind them to turn the paperwork in! I got notification that the claim was covered, and received my check within a few weeks of the claim submission.
5

out of 5

POSTED: | BY: abbie beyenberg

Peace of mind & superior customer service

I love embrace pet insurance. I was debating if we really needed this year, but decided to keep it. Only 3 months later our sweet 80 lb pittie mix had a partially town cruciate ligament. Our surgery was quoted at $4000 and i don’t know what on earth we would’ve done without embrace. They processed our claim same day and had the money in our account within 3 days. They emailed back with kind words and encouragement throughout the surgery process. The customer service is superior and I am a lifelong customer after this surgery experience. Highly recommend!
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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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