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.
5

out of 5

POSTED: | BY: Kelly

Embrace is Efficient!

My husband and I selected pet insurance from Embrace after careful evaluations of the various pet insurances that are out there. We are very pleased with our decision to go with Embrace. They are extremely organized, on point with claims and reimbursements and professional.
1

out of 5

POSTED: | BY: George

Money hungry just like any insurance company

The company uses any method to twist words in their favor. Unless you are a lawyer, putting a claim is useless because they will scrutinize the claim and find something that will not cover it. Their rules are so convoluted that it's close to impossible to actually get a claim covered. It's sickening how many claims I've put and how many excuses I've hard for the claims not being covered. My advice: only worth to get insurance if you just bought a healthy puppy. Otherwise, it's a money pit.
5

out of 5

POSTED: | BY: Julie

So happy to have Embrace

My daughter's mobility dog got sick in the middle of professional training in another state. We drove to pick her up, brought her home with us and began extensive veterinary treatment. Embrace Pet Insurance was awesome in processing and fast payment of claims and customer service.She is recovering well, and will soon be back in training so she can help my daughter throughout her day. A million than yous to Embrace!
5

out of 5

POSTED: | BY: Art

Great experience/efficient claim service

My dog has been insured with Embrace for almost 2 years. He was diagnosed with hypothyroidism and his claims have been covered. The turnaround for payment has been about 5-10 business days. We're happy with Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Darla Mercado

Best pet insurance

My chihuahua ( Violet ) was bit by my sons' dog and had her right eye partially torn out. Her eye was sewn shut to allow it to heal. Although her vision is gone, her eye healed nicely and did not have to be removed. I filed the claim with Embrace and it was covered. The claim was handled very quickly. Within two weeks, I received my check in the mail. I've got a policy on my other chihuahua through another company and every claim so far has been denied.. Wish I would've known about Embrace before. If you're looking for pet insurance, take the time to research it. I think you'll find that Embrace is the company to choose. Excellent customer service as well!
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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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