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: Patty

Best investment I have ever made.

I adopted two rescue yorkies in May 2016 and insured them with Embrace. I had never had pet insurance before and I have had a lot of pets and paid a lot of vet bills. In Aug 2016 my smallest yorkie tore her ACL or in doggie language CCL. My policy is $500.00 deductible and then 80% paid. I set it up so that Embrace could deposit directly into my bank account. 10 days after I submitted the claim I received $1083.50.
5

out of 5

POSTED: | BY: Kelly

Wish my insurance was this easy!

I got Embrace for my English Mastiff as soon as we got him. I did A LOT of number crunching between the plan options. And his coverage has been great over these past (almost) two years. I'm planning on always having it for him. We have used it...needed it...so glad to have had it! No problems at all. My refunds have been fast & easy! Totally worth it!!!Any future dogs...I will be signing them up.
5

out of 5

POSTED: | BY: Brenda

Best decision we could have made

Petunia is our 3 dog, we had 2 boxers before her. Getting Embrace for her was the best decision we could have made, we no longer have to worry about the financial strain of her medical fees and can get her all the care she needs when she needs it. Knowing that Embrace processes our claims quickly and seamlessly helps in every decision we have had to make. I recommend it to all the pet parents we know!
5

out of 5

POSTED: | BY: Pia

Beyond pleased!

My pug Charlotte was having ear problems, so off to the vet we went. That's never fun, but I've done my part! My vet staff send the claim forms after our visit and then I get emails from Embrace to let me know the status of my claim. The next thing I know there's reimbursement on my bank account! It all happens so smoothly I don't even know it's happening! If I have to contact the customer service for any reason, they are very friendly, a great experience there too!
5

out of 5

POSTED: | BY: M

Excellent Customer Service

I have been an Embrace customer for a few years now and they have always provided excellent customer service when I have needed to call and when processing claims which hasbeen within two weeks. Excellent product and excellent customer service, makes me a happy customer.
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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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