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: Debbie

Consistent Excellence in Customer Service

I can't say enough positive things about my experience with Embrace Pet Insurance. I've told my vet repeatedly to recommend them highly. I insured two kittens that were healthy when we purchased the Embrace Pet Insurance. One of the kittens developed a serious digestion problem and needs to have steroid shots every 5 weeks. Embrace covered the stated amount of the diagnostics tests and the ongoing shots. The process is easy and accurate. Additionally, they reach out to confirm that I receive the check and when I email or call/chat they know who I am. My son told me it was a marketing tool, but I prefer to think that they really do care about me and my cat. At least it makes me feel that way. I highly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Patricia

Great!

My dog has home. Embrace has been great covering all of his medical bills. I don't know what I would do if I did not have
5

out of 5

POSTED: | BY: S

Outstanding service and coverage.

My 10 year old dog developed diabetes this year. With the Embrace coverage I have, I am able to continue to buy the supplies needed and have the numerous vet visits covered while both my dog and I deal with her disease. Claims are reviewed promptly and payment is quick. Highly recommend Embrace for all other pet parents out there considering insurance options.
5

out of 5

POSTED: | BY: Susan

Truly exceptional Cust Svc, Fast claims processing

We added our 2nd Newfy onto our plan since we've already had 7 years of great experience with Embrace covering our first babybear. The increased age limit for illness claims is just amazing and so appreciated. Always fast turnaround, less than 1 week time with our claims processing. The myEmbrace website had fantastic UX - ability to upload claims forms & docs right from your computer when you log in, instead of antiquated faxing. Will never use another health insurance for our family.
5

out of 5

POSTED: | BY: Leslie

Great &prompt claim processing

Love Embrace, I have had it since my baby was 6 months old. Having Goldens in the past w/o insurance can get expensive, so looked into insurance from the beginning. Never regretted for a moment going w/Embrace. Prompt & courteous customer service, & a really good amount of items covered. Its great knowing its there...
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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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