Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Jerry Spiotto

Great Company

I recently covered our 2 dogs and a cat through Embrace Pet Insurance. In that time I have filed several claims. They have promptly processed all my claims and I wish I had got pet insurance years ago. I guess its never too late. A very good company to deal with with excellent service.
5

out of 5

POSTED: | BY: Marla Reardon

Best Pet Care Partners!!

I have had 4 cats and 1 chihuahua Embraced for several years. Embrace has been very fair and always processes the claims quickly. Recently my special older cat Hobbs became quite ill. I had the peace of mind to be able to take him to a specialist and receive the best care I could provide. Unfortunately he passed from his sudden illness. Embrace has processed his claims quickly and efficiently. It has been a tough time but getting his claims paid has not been an issue at all. Now my cats are all seniors and so is my dog. The costs would be overwhelming if I didn't have pet insurance. They've never let us down from UTIs, bladder stones to mast cell tumors and liver biopsies. Can't thank your team enough!
2

out of 5

POSTED: | BY: Tami furuta

Feedback

Horrible experience. 15%premium increase each year. Each Time I need to spend extra time to disagree with their claim decisions. I'm not sure how they concluded pre-existing conditions. It's not clear. I will never use the company in the future. This was my bad mistake.
5

out of 5

POSTED: | BY: Peg Odham

Love This Pet Insurance Company

Claims are handled quickly, friendly service. Can't say enough good things about this company. Love that you can purchase the Wellness Plan along with accident/illness Plan.I always recommend Embrace to any pet owner searching for pet insurance.
5

out of 5

POSTED: | BY: Peanut Gallery

We love Embrace Pet Insurance

We truly love embrace pet insurance and would highly recommend it to anyone. we have 4 fur babies, 3 of which are with Embrace (2 dogs and 1 cat) and one of the dogs developed diabetes 3 month after signing up with Embrace and they have paid every one of our claims without missing a beat. Going into our 2nd year now. I don't think twice when my vet feels we are off on the diabetic treatment to suggest a test, a glucose check because I know we are covered and its the BEST for my pet. My vet contributes our well being as a diabetic to embrace because I can care much better for my pet knowing we don't have to worry about cost and it shows in his treatments and outcome so far!! I have many times, where I make the initiative with my vet to run a certain test just to make sure we are on level just because I know we have insurance and I'm gonna be ok. I never think twice if my pets need any kind of treatment because I know with embrace on my side we are the best team for my pets and I can go to sleep at night knowing in their little world everything will be ok no matter how big or little of a problem will arrise. Such a lifesaver, timesaver and peace of mind for a very little cost. Oh and I love the personalized phone calls when I need to talk to someone about our account, just amazing!!! By far the best and only the best is good enough for us and should be for you too!! 99% of my claims have been handled in under 24/hr with reimbursement in my checking account within 24/h after that... !!

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 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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