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: Kathleen Ryan

Amazing

SheNu is 13 years old and needed dental work. I submitted the claim online right after I picked her up from the vet. It was incredibly easy (wish mine were that easy). And the claim was processed in 3 business days!!! Thanks Embrace Team -- High Five!
5

out of 5

POSTED: | BY: Ernest Lee

I will always cover my Pets with EMBRACE

My Bernese Mountain Dog BEAR has been sick with some sort of nasal issue, loss of appetite. Thankfully it was not life-threatening at 9 years old, but the vet bills piles up after taking him for extensive testing at a prestigious vet hospital. First bill was $3400.00. There are a couple more, but EMBRACE processed the claim quickly and covered it exactly as advertised. 80% of the entire invoice after my deductible. No hassle, no haggle... Simple and professional. This insurance is a life-saver toward a pets later years when some issues can become very expensive. Thanks EMBRACE.
5

out of 5

POSTED: | BY: Sandy

Sign up today!

I've used Embrace for years now and love it. I have 3 pugs, 2 with chronic illnesses and having insurance is a lifesaver. The staff is always helpful and reimbursement is very fast. Would strongly recommend signing your pet(s) up with Embrace.
3

out of 5

POSTED: | BY: Daryl McIlwain

claim mistakes

mistakes : Embrace claim staff attempted contacting wrong vet service, required med history already on file, closed claim for no response from wrong vet service, etc., etc., But , after calling 3 times, the claims manager was able to straighten things out, very frustrating time for me. I would like to add the 1st wellness claim I submitted before this claim was handled without a hitch and done in a very timely manner, just wish this more recent claim could have been handled better.
5

out of 5

POSTED: | BY: Stacey Vernon

Great insurance for my furry loved one!

I've only had Embrace for a few months but I am very happy with it so far. I think it's a comprehensive plan and I feel like my puppy is protected with it. It's reasonably priced and easy to manage online. They are fast to process claims. When I've interacted with the staff they have always been pleasant and helpful. Thanks for a great product!
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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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