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.
5

out of 5

POSTED: | BY: M

Best decision I've made for my chihuahua

Nearly 11 months after I joined Embrace, my chihuahua had emergency pyometra surgery with bills over $3000 from the emergency clinic, numerous blood tests, etc. Embrace covered 80% minus the deductible, which helped a lot. It i the best decision I've made for my chihuahua. The customer service is helpful and responsive. They reply email fast. I would definitely recommend Embrace to my friends.
5

out of 5

POSTED: | BY: Happy

Reimbursement lightning fast!

My vet faxed in the invoice for some medication for my dog (who has been treated over the past year for ACL surgery), and I literally received the check within the week! Continue to be very satisfied with all aspects of EMBRACE coverage and service.
4

out of 5

POSTED: | BY: Michelle

Great Customer Service & Overall good experience

This is my second year and so far so good. Great customer service, friendly and helpful. My only suggestion is that when more information may be needed from Veternarians that I should also get contacted as well since the claim systems doesn't get updated quickly. I would rather get the ball rolling and contact who needs to be contacted inorder to get what is needed so that process moves a little faster. Also, not sure if filing a claim for illness is more complicated but this was my first illness claim I submitted and well it took a lot longer than expected. Overall great insurance and great customer service. Thank you Embrace!
5

out of 5

POSTED: | BY: Steve

Excellent Service

Great experience working with Emrbrace. Easy submission process and faster than expected reimbursement. Very pleased. We have had numerous claims in a rough year for our dear pet.
5

out of 5

POSTED: | BY: Patricia

Very Reliable

Our two elderly dogs are very healthy, but occasionally they needed a few surgeries. Embrace was always there. They paid our claims in such a timely manner, so quick. There were never any problems with Embrace, the best thing I ever did for my dogs. We've had Embrace for many years and the premium does not go up, like other insurances usually do.
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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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