Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Beth Johnson

Embrace Pet Insurance = AWESOME

Filed my first claim for my dog's wellness check up. The claim was processed in 4 days no questions or issues. Definitely takes the worry out of pet insurance.
5

out of 5

POSTED: | BY: Laura Sedam

The best company for fur babies!

What a great company! Fast service and they truly care about their customers! Our baby girl, Hope, does a lot of camping and fishing with us so having her insured puts our minds at ease. On our last trip she took a swim in the river and came out limping with glass shards in her poor little paws. We rushed her to the vet (she had to stay overnight for observation), I printed out the claim form, gave it to the veterinary staff to fill out, they submitted it and that same day Embrace processed the claim and let me know the next day that our claim payment would be coming in the mail (we had already met our deductible for the year). Great service, I couldn't ask for a better insurance company for my baby!
5

out of 5

POSTED: | BY: Patricia

Great

My experience so far has been great. I have only had it for about 6 months. I used it for the first time 3 weeks ago. It took About 3 days to get my claims processed. A week later, I had all my money back! I highly recommend this insurance! I will write again when I get the last check back.
5

out of 5

POSTED: | BY: Stephanie S

Money well spent!

We got pet insurance when we adopted our rescue dog over seven years ago after friends had recommended it. (They had a dog with two broken legs on Christmas Eve whose name became "honeymoon.") I love Embrace! The customer service has always been exceptional and incredibly prompt. We utilize the wellness policy and thankfully have never had a major issue to file a claim for besides that. My vet fills out the form and is kind enough to fax it and I always hear back from Embrace the same day. My dog was just in on Tuesday morning (today is Thursday) and I just got an email that my claim was approved and filed. My wellness money will be sent right away (think of it as an FSA except you pay less up front than you spend). I get a prompt response any time I email back with questions on my policy, any increase in charges or to make any changes and to verify claims information. They are absolutely wonderful and take a lot of stress out of dog ownership!
5

out of 5

POSTED: | BY: Casey

Works like it should!

We adopted our dog and she came with embrace. I had always been hesitant about pet insurance and decided to give it a try since she had always had it and her prior owner raved about it. Our beagle has diabetes and while it is very well managed she does have some expenses come up. Embrace works better then any insurance I've ever used. From health to vision, renters to airplane Embrace is hands down the best. They are quick to process and send email updates along the way, cover what they say they are going to cover and are EXTREMELY pleasent on the phone. Though I've only called them once when transferring the insurance over to us. That's how easy the claim submission is, fill it out and fax or email it in and done. Now if they would just cover humans I'd be all set!

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.

Get a quote today

Leave a review