Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Kyle

Superb Coverage and Service when you need it most

This review covers two claims (totaling almost $5000) related to the same surgery handled by two different Embrace colleagues: When you pay your premiums, hoping and never expecting anything to afflict the ones so close to your heart, you may wonder if there are cheaper options. However, a recent surgery and the way Embrace stepped up to the plate to cover it without question and fully honoring deductibles and annual premiums was so impressive. I'm unable to compare to other plans as I spent hours (maybe a couple of days) comparing insurance options, chose Embrace, and never looked back. I was just recently reimbursed in less than a week for surgical claims. You get what you pay for with Embrace! And, they know how to hire smart, patient colleagues to answer questions. I continue to be impressed!
5

out of 5

POSTED: | BY: Teresa

Excellent

Requesting a refund has been a breeze. Excellent customer service!
5

out of 5

POSTED: | BY: Sandy

Very pleased that we chose Embrace

We reviewed the options from many other pet insurance companies before we chose Embrace. So happy & satisfied with the decision. We trust that any claims will be processed quickly & accurately.
5

out of 5

POSTED: | BY: Nina

Another positive experience

Our shar pei Keaton, following a hospitalization for a subcutaneous abscess in his front leg, was still limping and the vet referred us for an orthopedic consultation. Embrace approved the claim and covered $128 of the $160 charge. We got coverage about a year ago and have only good things to say about our claims, the process and results.
5

out of 5

POSTED: | BY: Frank

Good representatives

Embrace employees were very helpful, knowledgeable and pleasant.
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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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