Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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.
3

out of 5

POSTED: | BY: Cindy

claims

I wish I could write a favorable review about this company but it sure lacks in the claims processing department. I have to resubmit the same claim several times in order to get everything paid. They seem to have tunnel vision and will only process 1 line at a time.
5

out of 5

POSTED: | BY: Anna

Total Peace of Mind

We've had Embrace coverage for all of our pets for just over a year. This past August, our boxer mix was diagnosed with a very aggressive form of cancer. During the very emotional process of diagnosis and exploring treatment options, it was such a blessing to know that whatever treatment we chose would be covered. I did very extensive research before choosing a pet insurance company, but it's hard to know if you've made the right choice until you have to submit a claim. The claims process was completely painless. They processed our claims quickly, covered exactly what I expected, and provided seriously amazing customer service through the whole process. In my opinion, having Embrace is invaluable. It's total peace of mind that, no matter what happens, you've got the freedom to get the best treatment for your pet without worry about the finances.
5

out of 5

POSTED: | BY: Joyce

Would recommend Embrace to anyone!

Embrace has come through for me and my boy Brady (12 years old) several times throughout the past few years and I only have positive things to say about them!! It gives me comfort to know that I can truly take care of Brady's health the right way as long as I have Embrace! Thank you!!
5

out of 5

POSTED: | BY: Mostafa

New to Embrace

Fabulous company. Extremely painless process with submitting claims. High recommend this!
5

out of 5

POSTED: | BY: Kari

A Comfort

My cat recently passed away after a year and a half of progressive illness and it has been a great comfort to me to have Embrace as an insurer. Embrace has quickly and reliably processed my claims with minimal effort on my part, which allowed me to keep my finances intact while taking care of a very sick kitty. When I did need to call in with questions, their customer care team was always friendly, compassionate, and quick to provide accurate information. I never felt let down by this company and I've recommended them to all my friends.
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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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