Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
4

out of 5

POSTED: | BY: Pete B

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!
5

out of 5

POSTED: | BY: Elizabeth Brown

Fantastic Insurance

We have four dogs and all have Embrace Insurance. It has saved us so much money! Claims are processed quickly and questions are always answered in a timely manor.
5

out of 5

POSTED: | BY: Kim

Amazing!! Saved my dogs life.

My 14 month old dog tore both her right and left ACL's and meniscus's. There was no hassle and within 2 weeks I received a direct deposit for 80% of the surgery. If it wasn't for having insurance I would never have been able to afford the surgery. In addition, they will be covering her physical therapy that is to start up in the next week or so.
5

out of 5

POSTED: | BY: Khairul

Fast action !

I have insured my only cat to Embrace Pet Insurance for almost 2 years. Their service was tip top. When i have to call for their billing information, their staff was very friendly and informative. Before this, my cat has an eye problem that need some medical treatment. The claim made was very fast since I got the my payment on the 4th day. I am very happy and satisfy with the service given by Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Rena

Quick and easy

Although we've researched pet insurance plans in the past, this time we actually enrolled our new puppy, and are so glad we did. We chose Embrace based on our vet's recommendation and after comparing their benefits with those of other companies. We just placed our first claim (Wellness) and the check is already on its way to us. I like that the company emails immediately with questions, confirmations, and reminders. We'll be adding our adult dog next, and are happy to have peace of mind at long last.
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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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