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: R

Quick and Thorough

My first claim was a success! With a new puppy and multiple appointments scheduled in a year, we went with the additional wellness option and were pleased to receive notification in less than two weeks that the majority of my puppy's visit would be covered. Now we're just waiting on the check! Thanks Embrace, for being quick and keeping the process detailed in the claims area of your website. I love that I can click to find all the information! So far, so good!
4

out of 5

POSTED: | BY: Patricia

so glad I decided to use Embrace

I signed up for the well care portion and it has been worth it. I only wish I would have signed up sooner before the spay and all the shots.
5

out of 5

POSTED: | BY: Tiago

Love love love Embrace

I've been with Embrace for about 5 years now, and I love it. The premiums are very affordable, and they are VERY quick to process claims. My cat Bender usually likes to get sick once a year, so if I take him to the vet on Saturday, I can expect to have the claim paid off and in my account by Friday. I recommend to everybody who has a pet (or several) as well as my old and new vets.
5

out of 5

POSTED: | BY: Rockwell

How Much Like family Embrace Has Been.

The staff at embrace are always very helpful. Our little dog Auddie got sick. Embrace were there every step of the way. Auddie didn't make it,the amount of love and consideration shown to our family by embrace is immeasurable.
4

out of 5

POSTED: | BY: Pete

Quick claim processing

Much improved claims experience for my pup. I sent 2 claims in together. They were approved in a couple of days! The check was received just days later. Received an email soon after I called to make sure I had a copy of a claim form. Then a followup after the claims were processed. Great service!
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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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