Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Michael

Quick Response

Our Bernese Mountain dog was rushed to the hospital with a case of the bloat. Fortunately, our dog survived this unexpected emergency. However the vet bill was astronomical! Embrace insurance was fantastic throughout the process; they were helpful in instructing me how to submit the claim properly, and communicating with the vet. We received our reimbursement check within 10 business days of it being submitted. Thank you for your help embrace!
5

out of 5

POSTED: | BY: Jodi

Delightful and efficient

I am beyond pleased with not only the coverage offered and the flexibility of plans, but the customer service. They are efficient in their claims system and an absolute delight to work with.
5

out of 5

POSTED: | BY: Christina

Great Insurance

My Newf had to have TPLO surgery. I was so happy that we had gone with Embrace for our insurance. They were easy to deal with and getting the checks in the mail very quickly. They continue to cover her physical therapy too. The physical therapist also like Embrace and used them too.
5

out of 5

POSTED: | BY: Carmen

Fast Processing tim

Fast processing of claims. I got a notification in 24 hours indicating the claim was received. The check was on my mailbox in less than 2 weeks.
5

out of 5

POSTED: | BY: Shelly

Amazing

The communication and response time is remarkable.
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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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