Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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 Luton

Great Pet Insurance and Exceptional Service

I have been fortunate to date that all my claims have been for wellness for my sweet Great Pyrenees dogs. With that said, I am never lacking in coverage for my two and whenever I have a question about the coverage and status, the claims staff is excellent. They are personable, professional and knowledgeable. I am pleased to be apart of the Embrace Insured family! Keep doing a great job!
5

out of 5

POSTED: | BY: David Grossman

Great pet insurance

Good coverage for my dog. Claims are processed very efficiently and in a very timely manner. No hidden rules-everything is upfront and you know exactly what you are covered for. I wish my own health insurance would be as efficient.
5

out of 5

POSTED: | BY: Nadine

You were great!!

Embrace really came through for my Mug. If they did not, he might not have survived. Wonderful people to work with, & I am very grateful for all that they did for us. <3
5

out of 5

POSTED: | BY: Stephen

Fast claim turnaround and great customer service

Had an emergency with my dog throwing up with blood present. This claim is the result of being sent to a second emergency facility because the first one did not have a surgeon available for possible obstruction (per x-ray). After overnight stay and observation at second ER, another x-ray taken and no blockage. This was the best conservative approach other than more expensive radiography and exploratory surgery. Embrace quickly processed my claim for the second ER and waiting on claim from first ER. Always great customer service during emails and phone correspondence. Thank you!
5

out of 5

POSTED: | BY: Timothy

Embrace gets good grade!

courteous, knowledgeable assistance when telephoning, excellent service in providing updates to claim processing
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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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