Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Kathy

Have Embrace for 4yrs

I have had Embrace for my Goldendoodle for 4yrs. Several claims and never had a problem. Reimbursement in my bank acct within a few days. Of course premiums have gone up but what insurance hasn't. I have recommended Embrace to friends and family for their pets.
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1

out of 5

POSTED: | BY: JL Giamanco

Exceptionally poor communication timing…

Exceptionally poor communication timing and lack of accurate directions. Two months to resolve - unacceptable
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5

out of 5

POSTED: | BY: Georgina Hernandez

Jodi was excellent is explaining the…

Jodi was excellent is explaining the benefits in comparison to what I had for my 2 dogs. Thank you
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5

out of 5

POSTED: | BY: Kevin DeLoge

To be honest I was skeptical regarding pet insurance…

To be honest I was skeptical regarding pet insurance because I’ve heard some horror stories about pet insurance. However, embrace pet insurance has eliminated all skepticism that I once had. My little boy had a terrible eye corneal ulcer that lingered through multiple treatment with our vet. After months of different treatment that didn’t seem to heal the problem we were referred to an animal eye specialist and will undergo surgery very soon. embrace made timely reimbursements and extremely quick pre-authorization for surgery. I have recommended family and friends to use embrace pet insurance. And to anyone reading this review, I highly recommend embrace pet insurance! Embrace is the real deal, no gimmicks, tricks, or smoke and mirrors, just good honest pet insurance with great customer service and very quick reimbursements!
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5

out of 5

POSTED: | BY: Joanna

It was easy to sign up

It was easy to sign up and all the information to make the decision to use Embrace was readily available. I haven't had the need to use it yet but I suspect the claim process will not be a big hassle.
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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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