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: Abby S

Super satisfied with Embrace!

I have been so satisfied with my pet insurance through Embrace! I adopted my dog (~6-7 years old) in 2013 and couldn't be more pleased with my coverage through Embrace. My dog's had unexpected illnesses -- impacted anal gland, spondylosis, allergic reactions -- that Embrace has covered, along with treatments like monthly massages and acupuncture. This last month my dog suddenly started coughing up blood and we were faced with a diagnosis of lung cancer. Going through CAT scans and surgery, with chemotherapy in our future, I couldn't be happier with Embrace. They've reimbursed everything (80%) quickly, and its made the process much less stressful to be able to depend on Embrace to cover these costs and reimburse me in just a few days.
5

out of 5

POSTED: | BY: Jennie Thomas

Oustanding

The staff are friendly and very helpful. I took my puppy in for her annual exam and in one day the claim was processed and covered at 100%. Embrace pet insurance is the BEST insurance anyone could ever choose. They are very responsive, the claims are processed quickly, they offer direct deposit for reimbursement as well as the number one pet insurance policies in the entire country. I love Embrace!
5

out of 5

POSTED: | BY: Deb

Happy to have such great insurance for my Newfie

For the second time, Embrace has come through for me. Excellent relationship with the vet office and quick turnaround in reimbursement. Given all we owners go through when a fur friend is not well, getting reimbursed in a timely manner sure helps.
5

out of 5

POSTED: | BY: Jeannie Gaffney

Prompt Claim Payment

I received my claim payment in quick time. I really do appreciate this company and their help in caring for my fur baby.
5

out of 5

POSTED: | BY: Rebecca Jacobs

No hassle insurance

This is my fifth Labrador Retriever ,first one I have purchased insurance on. Only have had coverage since February 2017 ,but have had two claims for illness visits. I have been pleasantly surprised that there was no hassle . I assumed there would be some excuse as to why the claims wouldn't be covered but I was incorrect. Glad my veterinarian suggested Embrace. Claims are easy to submit and were processed quickly. Have recommended Embrace to friends with animals
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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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