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: Karen

Fast/Accurate Claims Processing

Embrace has never questioned any of our claims. Much unlike a prior pet insurance we had. I am grateful for that and the fast processing service for payment. Thank you so much.
5

out of 5

POSTED: | BY: Elizabeth

Amazing

After losing our Golden Retreiver to cancer and paying a bill in the thousands, we decided to get pet insurance when we got our new black lab puppy. In her first 8 months of life, she has been at the Emergency Vet 2 times. Embrace Insurance has come to our aid both times. The claim process was simple and no questions asked. Response time was amazingly fast and the refund was more than we expected.Thank You
4

out of 5

POSTED: | BY: Lynne

Rough start, but okay now

It took them awhile to process my claim once my vet sent the info they requested, but after a couple of emails asking what was going on, they've been paying fine.
5

out of 5

POSTED: | BY: Carol

So thankful we decided to go with Embrace!

Having had 2 Bulldogs in the past and knowing their history of health problems, we decided to go with Embrace. And there isn't a day that goes by that we aren't glad we did!Embrace is customer friendly, they process claims expeditiously and are there to help answer any questions you have. Thank you, Embrace for a job well done!
5

out of 5

POSTED: | BY: Janet

Embrace is the Best!

Great service and everything is easy. Embrace will pay bills from the vet of your choice. You always know that they will pay either 80 or 90% of the bill depending on which premium choices you made. There are no benefit schedules like other pet insurance companies have where you find out that they end up paying alot less than you expected. I will always choose Embrace for all of my pets.
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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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