Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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: samuel

Excellent Worth Every Penny, Best Pet Insurance You Can Find

Excellent Service and Quick payout, Best available Coverage and premium cost when compare to other big insurance carriers Embrace beat them all. They also offer the option to cover pet wellness cost. Highly recommend Embrace.
2

out of 5

POSTED: | BY: Susan

Difficult to file claims and way too long to reimburse

I wish I had known that I could not electronically file claims like my other pet insurance carrier for my other Wolfhound. It would have made a difference going with your company. Extremely disappointing and inconvenient if I forget that I needed a form filled out at Vet's office. Your turnaround time for reimbursement is dismal...but average overall for all companies. You came highly recommended but I am not impressed. Sorry and now I am stuck with you. Susan McIntosh
5

out of 5

POSTED: | BY: Stephanie

Fantastic Insurance Company

I am new to having pet insurance and I am so happy I chose Embrace. Our Vet office recommended Embrace. The claim process was fast and easy and I was communicated with in a very timely manner about the status of the claim. Embrace is top notch and I would definitely recommend them to cover your pet are.
5

out of 5

POSTED: | BY: Lori

Pleasantly surprised!

Friends had shared their negative experiences with other pet insurance companies. I'm so PLEASED that I chose Embrace as I've been pleasantly surprised by the speed with which they process claims. Thanks!
5

out of 5

POSTED: | BY: Dr.

Best monetary decision I ever made; these people understand dogs

A friend referred this insurance company to me when i got my two new puppies. While a bit skeptical at first, I soon was won over by its excellent communication and its program of wellness. I love my dogs and the feeling of being able to provide them with what they need when they need it has made my life far better. Look at this company if you love your 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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