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: Lynn Diakogiannakis

Honest hassle-free Insurance Company

I continue to be impressed with Embrace - the easy claim process, turnaround time and overall friendliness and genuine behavior of the staff will keep me coming back for years. They will tailor your claim to your individual needs. Keep up the great work!
5

out of 5

POSTED: | BY: Deleen +Mattson

Embrace makes everything so easy.

I expected the processing of claims to be a pain, but Embrace makes it so easy to upload copies of invoices and submit claims. And their response time is amazing.
5

out of 5

POSTED: | BY: Ann

Embrace means affordable peace of mind

My Golden is almost 14 years old. He and another of my dogs had been insured with another company but last year my premium skyrocketed so I went looking for other options. With Embrace I was able to find a policy that would cover the big bills while being affordable. Recently my boy was diagnosed with megaesophagus resulting from Myasthenia Gravis. This involved an emergency overnight hospital stay and repeat follow up testing to confirm the diagnosis. Embrace paid my claims promptly and my old guy is doing great again.
5

out of 5

POSTED: | BY: Robert

Fantastic Pet Insurance Company

This company is fantastic! My dog had 3 major surgeries in 13 months totaling nearly $14,000.00 and Embrace covered all of them. Their customer service is excellent. The claims filing and reimbursement process is fast and simple. It is peace of mind knowing that Embrace is there for my beloved dog. I would never be without Embrace and I highly recommend this company to all current and future pet owners. Thank you Embrace.
5

out of 5

POSTED: | BY: Carmine Bell

Quickest, most courteous claim management

My 6-year-old kitty was sick with GI problems that required some fairly expensive tests to determine the source of her illness. The bills totaled over $600, and I am so glad I had Embrace insurance to cover 80% less my deductible. Embrace has devised the most customer friendly reimbursement procedure I have ever encountered. I faxed a simple one-page form, complete with vet's notes and signature, and got an immediate reply from Embrace. In less than a week, I learned that my claim had been covered, and the refund was directly deposited to my checking account. One experience like mine pays the annual premium for this excellent pet insurance.
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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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