Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Lesli

Thankful for reimbursement

This is the second time I've made a claim and both times I've been very happy with the results. Claims were handled very quickly. I've been very glad I have the insurance because when my Great Dane gets sick he really does it up!
4

out of 5

POSTED: | BY: Amanda

Thank you, Embrace!

I have fortunately never had to make a claim for illness or injury, but all three of my wellness claims over the last 2 years have been paid. This most recent one took a little longer than I was used to for a simple claim, but they did advise in their confirmation email that it could take up to 10-15 days. In my prior experience, it took 2-3 days. So I called on Monday just to check on it and make sure nothing else was needed when I saw online that the status was something like pending medical history review. The CSR agreed that it seemed odd that they would need to review any history for a wellness claim for vaccinations, so she contacted the exam department to have them push it through, and I received payment today (Wednesday). In total, it took about a week and a half, which is fine. I was just accustomed to it being faster, but maybe they're overloaded at the moment. Overall, I'm still happy. Also, their customer service is great, so that's a plus!
5

out of 5

POSTED: | BY: Todd

Pleasure to work with

Embrace was great to work with. Anytime I called them I was able to talk to a rep within minutes and they were more than helpful. When the time can to submit claims they were very straightforward and didn't put up a fight the way that typical insurance companies do. I would definitely recommend them to anyone looking to ensure their furry loved ones.
5

out of 5

POSTED: | BY: Paul

Claims paid quickly!

Embrace paid our claim within 10 days!
5

out of 5

POSTED: | BY: Linda

Embrace Ins. made saving Eddie's life easier.

We never know what type of illness our animals will contract. Most pet owners will do whatever it takes to get their pet better. I can't imagine not having Embrace Insurance. It is so affordable and helpful.

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 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.

Get a quote today

Leave a review