Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Alice

Responsive

Anyone looking for pet insurance should seriously consider Embrace. It's reasonably priced and you get to customize your plan to include or not include "wellness". I've included "wellness" which more than pays for itself just getting the preventative prescriptions for heart worm and ticks. They let you know as soon as they receive a claim then communicate status very promptly. Couldn't feel better about this plan.
5

out of 5

POSTED: | BY: Dee

Awesome

Great coverage, prompt claim processing and fabulous customer service. You cannot go wrong with Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Jodi

Very grateful for Embrace Pet Insurance

I have pet insurance for my rescue dog and I'm so glad I did. He tore his ACL and needed surgery and I wouldn't have been able to afford it without this insurance. It was a life saver! Thank you Embrace!
3

out of 5

POSTED: | BY: Tori

Pretty good, requires upkeep

Embrace was recommended by our vet. The web portal is easy to navigate and submitting claims is simple, customer service is helpful and patient. However, on multiple occasions we have had to step in to push Embrace to file claims that our vet office already sent. Or, in the example of our first claim, there was a holdup because our vet had failed to send a form to Embrace when we initially signed up-- but we were never informed there was a problem until we tried to submit our first claim months later. We have to be alert and advocate for our claims, as so far they haven't happenned seamlessly. That's about par for the course with any kind of insurance, and luckily we haven't had any serious or very expensive issues yet.
5

out of 5

POSTED: | BY: Brenda

Emergency Treatment

I've been with Embrace for 6 years and have only great things to say about them. Customer Service is amazing and their payments quick and easy. Recently I had an emergency with my dog and had to take him to a Vet emergency room. My dog ingested gum with Xylitol which is very poisonous to dogs. My dog was kept for 24-hours at the hospital. His stomach was washed and he had to be put on fluids. My bill was 80% covered by Embrace. Once again once I submitted my claim, everything got process within a week. I had other pet insurance before but Embrace has been the best.
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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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