Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,896

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: Eliza

Very happy since my pets 1st vet visit with Embrace

Very happy with my dogs experience after his 1st vet visit with Insurance. I paid his bill, his vet sent in the claim form, and about 2 weeks later I received an email saying his claim was approved and I would receive a check for the eligible reimbursement. Only wish I had gotten this sooner for my dog!
5

out of 5

POSTED: | BY: Theresa

Recommend this insurance!

Very helpful to have pet insurance !
5

out of 5

POSTED: | BY: Candies

Fast service

I’ve had no issues with Embrace. I’ve found them to be very customer service orientated with quick returns on claims I’ve submitted.
5

out of 5

POSTED: | BY: Rita

Very prompt processing claims

While trying to sort through our dogs health issues we’ve submitted several claims recently. The claims have been processed promptly and the reimbursement checks in a timely fashion. Much faster than my own health insurance!
5

out of 5

POSTED: | BY: Helen

Piece of mind

I bought this health insurance not thinking I’d ever use it. Sadly at 7 1/2 years old my baby was diagnosed with renal disease. The week she spent in the hospital and her meds were expensive, but your pets are like your kids. Whether I had insurance or not I would’ve still done the same things. Thank you Embrace for making good health ins and making it so easy to file claims. Since this was our first time to file I was not sure what to do but the rep on the phone made it so easy. I recommend Embrace to all my friends with pets.
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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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