Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Nicole Scott

Best pet insurance hands down!

I have been using Embrace for 4 years now and I’ve never had an issue regarding claim coverage. They are prompt with their reviews and pay direct to my account within days. Their claim process is quick and easy. My dog has had significant medical needs and they have been excellent to work with!
5

out of 5

POSTED: | BY: Glenn Peterson

Best customer service of any insurance company I deal with.

Embrace is the most user-friendly insurance company that I’ve dealt with. I know that when I submit a claim it will receive a fair and quick evaluation.
5

out of 5

POSTED: | BY: michael sciabarrasi

excellent

I am very pleased with the way my claims have been taken care of by your company. It was done in a timely manner.
5

out of 5

POSTED: | BY: Shelley

Couldn't ask for better support and service

I did a lot of research when looking for pet insurance and was nervous because I had experience with sick pets and not being able to get claims approved and processed in the past. I have been using Embrace for several years now and over the years my little cat has had several serious health issues, and I couldn't ask for any better service. The claims are easy to make, they are processed quickly, I always know where they are at and the payment comes very quickly. The customer service department had called me several times and I thought they were calling to sell me something but they were calling to check to make sure my experience was great. So it has been. Thank you Embrace. Having a sick pet is hard and you make the financial support end of it painless.
5

out of 5

POSTED: | BY: Barry Kreisler

Service was excellent.

Service was excellent
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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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