Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Lin

Very happy with Embrace Pet Ins.

My 13 yr old dog has had health problems for a few years. I have been very happy with Embrace. I have 2 other dogs that are Insured by other companies and I have not been happy with their coverage reimbursement. I like that Embrace will preauthorize for services,so I know exactly what my out of pocket will be. Their claim reimbursement is in a timely manner and it is deposited into my bank account. My only complaint with Embrace was when they didn't cover a Dental procedure in which my dog lost a couple teeth due to disease. They considered it to be routine or wellness coverage. I will consider Embrace for my next dog.
5

out of 5

POSTED: | BY: Holly

Amazing Service

I love having embrace for our puppy. She has been sick lately and they are always timely with the claim checks and super helpful if you call in.
5

out of 5

POSTED: | BY: Mary Brian

claim

Wonderful responsiveness
5

out of 5

POSTED: | BY: Angela

Embrace has been great!

Embrace has been great! We love it and would recommend it to anyone looking for pet insurance. We have a puppy and a 9 year old dog. The turn around time for claims is very quick. They have great customer service and are prompt at responding.
5

out of 5

POSTED: | BY: Richard martinak

Excellent Service

This was our second claim (Different Dog) with Embrace. Boomer had a Mast Cell Tumor removed from between his toes. It took a number of office visits for the surgery and bandage changes during the recovery to complete the process. Once all the invoices were filed with Embrace, the claim was approved and paid very quickly. Pet Insurance is a great thing as it takes the monetary decision out of the picture and you can concentrate on your pets heath and life. We have been very satisfied with the service we have gotten from Embrace.
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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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