Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Dyan Kaufman

Great coverage

Have had Embrace for a few years now. Not only is the coverage and ease of filing excellent but their customer service is great. I would recommend Embrace to a friend.
5

out of 5

POSTED: | BY: Nicole H.

I love Embrace!

Customer service, customer service, customer service! Need I say more?! Prompt responses, clear benefits, and reimbursements are a breeze. I have recommended Embrace to many of my pet owner friends.
5

out of 5

POSTED: | BY: Jack

Very Good

I had bought Embrace for my cat, Jack, when I adopted him. He was 3 years old. He just passed from a rare form of lung cancer. I didn't realize that the plan he had did not cover dental nor prescriptions so do purchase the Wellness plan which will cover dental and perhaps prescriptions. I was delighted though that when he became ill, that the Wellness plan covered homeopathic remedy from his vet and when it he was terminal, Embrace moved forward in reimbursing without obstacle. I made certain to provide a medical history, chart notes, and complete invoices when filing claims. I think this assisted the claim adjusters in their evaluation. Their customer service team was compassionate and efficient. Two paws up.
5

out of 5

POSTED: | BY: Jill Blackwell

I Love Embrace Insurance

My dog, Rosie, has had several health issues in the last couple of months. This was our first experience with our newly acquired insurance through Embrace. They were quick to respond to my claims, and they were processed in a timely manner. I am grateful for them and happy that I chose Embrace over the other options that are out there. Thank you so much for your professionalism and quick handling of my claims.
5

out of 5

POSTED: | BY: Kate Thomas

I love Embrace!

I covered my two dogs (Dante and Meesha) for the first time this year. I looked at several companies but chose Embrace because of the Wellness option. It's a wonderful way to budget their wellness over a year. So far it has covered both sets of yearly vaccinations and annual physicals. Embrace even covered visits from an animal behaviorist to help with Meesha's blanket-munching addiction. The service is always fast, friendly, and excellent.

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 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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