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: Robin

General comment

I have had Embrace insurance for my dog for about almost 2 years, and unfortunately, have had to submit several claims, but each and every one of them were handled quickly and professionally. In addition, there was an issue with a determination by the company based on medical records provided for my dog, and after bringing the issue to their attention, they revised the determination of coverage, which was greatly appreciated, and the right thing to do. Thank you for great service!
5

out of 5

POSTED: | BY: Peggy

awesome

The staff has been nothing but helpful and have had not problems with claims. They are the best
5

out of 5

POSTED: | BY: Eric

Embrace cares about my pet like they own him

They are great with claims and it gives me peace to know that I can always take care of my dog
5

out of 5

POSTED: | BY: Happy

I am so pleased with EMBRACE!

Embrace really makes it easy. I have been getting ongoing reimbursement for my older dog's arthritis - including acupuncture and other treatments - easy peasy to submit forms and get prompt reimbursement.Recently, my 3 year old Leonberger had a scary episode with recurrent regurgitation and a high fever. I had a few emergency visits, saw quite a few vets, and submitted all of the paperwork with copies of the reports given to me by the vets. Everything was paid for promptly! I tell everyone I know about Embrace as it is a fabulous company.
5

out of 5

POSTED: | BY: Christine

Great Service

I never want to be in the position of having to make the final decision for my pet without having adequate diagnosis and care, regardless of the cost. This makes the annual cost of insurance a non-issue for me. I have used the coverage, and each time the claim was processed quickly. I just don't have to worry when I pass over my credit card to ensure the health of my pet.
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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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