Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
4

out of 5

POSTED: | BY: Diana

Thank you for making this so easy for me!

My dog has recently been diagnosed with diabetes. I am so glad i have pet insurance, or i probably would have had to put my dog (who is my life) to sleep. I have to take her in weekly ($50-$60 a visit, and i live paycheck to paycheck), until they figure out how much insulin my dog needs every day. It is sooo frustrating.I appreciate that embrace allows me to take a picture of my claim and e-mail it to them, right from my phone. That is all i have to do. I then get a follow up with all claims. Thank you embrace! I wouldnt have my dog anymore, if it weren't for you!
5

out of 5

POSTED: | BY: Lisa

Grateful to be Embraced for Brandy

Brandy, my beagle and my heart, was diagnosed with splenic cancer. So far, Embrace has paid for blood tests, surgery, and post-op care. Next is chemo and expect the same compassionate and speedy respondence.
5

out of 5

POSTED: | BY: Katherine

Embrace Insurance is the best decisions!

Monte, our Golden Retriever has unfortunately endured a lot in his two years, from knee surgery, to plate removal due to irritation, skin problems, and allergic reactions. Embrace has been excellent in receiving and processing all of the claims very quickly. They have even checked to see if I have received my claim payments! I am impressed with this company, it was the best decision to make when Monte was a puppy. It gives us piece of mind knowing that we can take him to the vet when anything out of the ordinary is going on with him. Everything has been covered without issue. Our vet faxes in the claim for us and we have a reimbursement check in a couple of weeks. I love that you can view the progress of claims online. Thank you Embrace for being there when we needed you!!!!!
5

out of 5

POSTED: | BY: Pamela

Rapid response to claims

I am delighted by Embrace's rapid response to my insurance claims. I researched several pet insurance providers before selecting Embrace for its better coverage at a better price.
5

out of 5

POSTED: | BY: Alice

Great Customer service

Professional and quick follow up. We had a problem that we thought we had not received a claim check in the mail...they quickly researched it and reissued a check. Thank you
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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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