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: Arthur

Stress Relief

Without Embrace Pet Insurance, my dog Pancho's veterinary bills would not be affordable. A few years ago, Pancho was diagnosed with Cushing's Disease. His symptoms change as this lifelong disease progresses. With Embrace, I feel confident about being able to see a vet whenever Pancho's symptoms change instead of waiting until it may be too late. The vet submits their claims after I pay them and within a few days, an Embrace check arrives in the mail.I highly recommend Embrace Pet Insurance to anyone with a companion animal friend.
4

out of 5

POSTED: | BY: Aleks

Real people

No issues, submitting a claim is pretty easy once you figure out the download process. It takes a little while to be processed and then it's a mailed check, but that was made pretty clear when signing up. Inquiries are answered by actual people, who even mention things like "hope (name of pet) is feeling better". Even a "Get Well" email,..nice touch. Pretty reasonable.
5

out of 5

POSTED: | BY: Karen

Awesome

I am so happy I picked Embrace for my insurance. Everything is easy to get reimbursed. I have always feared dealing with insurance companies. Most of the time they put you through so many steps. They make my busy life easy.
5

out of 5

POSTED: | BY: Charlene

Quick to process

Ani and I have been members since 2015 and Pet Embrace has responded and processed all claims quickly and efficiently.
4

out of 5

POSTED: | BY: Laura

Much needed coverage!

I am so thankful for this insurance!! Extremely easy to submit claims. My vet just faxes records from the visit. Claims are filed and reviewed in a timely manner and reimbursements are conveniently deposited in my account. Any time I have contacted customer service they have been very polite, helpful and caring. My miniature schnauzer has many health problems especially as she ages. Now she is getting ready to have her spleen removed. Coverage on these illnesses is covered at 80%. Deductible is small, considering how much mine is for people health insurance, which is nice. I may not be able to afford the good care my dog gets without this insurance, so it is a blessing. I just wish they would cover pre-existing conditions. That is the only reason I did not give a 10.
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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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