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: Kristin

Fantastic service

I'm about to renew my policy for the third year. It offers such a piece of mind. Thinking about adding my almost-senior dog as well because Frenchies can have lots of health issues and it's better to be safe than sorry. Although I don't like to have to file claims, I have experienced prompt service after my vet has submitted the information. Would recommend.
5

out of 5

POSTED: | BY: Debbie

reimbursement of claims

We have an older cat who is always getting into trouble. There is never a dull moment. So we decided to continue his coverage. Its important to know that there is a deductible, but once that is met, reimbursement can be expected. Claims are processed readily. Customer service is knowledgeable, courteous, and understanding.
5

out of 5

POSTED: | BY: Sandra

Trust Embrace

Each time a claim is submitted, I can trust that payments are made in a timely manner and what is expected.
5

out of 5

POSTED: | BY: Lisa

Quick and Easy

My puppy was attacked by two dogs who had gotten out of their yard. Their owner graciously paid for the initial surgery and follow up. Unfortunately, my puppy's wound did not heal properly, requiring many more visits to the vet. Embrace has paid for each of these visits quickly. I'm so glad that we took out Embrace insurance on our new puppy. I'm hoping never to have to use it again, but it's good to know that it's there if we need it.
5

out of 5

POSTED: | BY: Linda

Exceptional Customer Service

The customer service I have experienced working with the 'embracers' at Embrace, I feel very happy about the choice I made selecting Embrace for our girls. After researching 3-4 pet insurance options, I found that Embrace provided the most transparent information about their policy, and their customer service has been exceptional - knowledgeable, personable, and professional.
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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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