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: Noelle

Best Pet Insurance Around!

I love Embrace for several reasons. There are no hidden fees when your policy renews(unlike PetPlan). Also, their customer service people are alwasys so nice and professional(unlike most I have spoken to at PetPlan). Last, they process claims in 1-2 days! I love you guys!
5

out of 5

POSTED: | BY: Mary

They are the best!

We have been with Embrace for over a year--and not once have they failed to answer all our questions, respond immediately with caring customer service and treat our Brittany Rustee as a member of their family.
5

out of 5

POSTED: | BY: Dawn

Easy

We have been with Embrace Pet Insurance for seven years and the process is extremely easy when filing a claim. They are also super fast with reimbursements and the customer service is awesome.
5

out of 5

POSTED: | BY: Gay

Best choice we could have made for our dogs!

We have 4 dogs insured by Embrace. Simply put, the company is outstanding. Easy and very quick claims response, great communication (they email when claim received from vet and again to tell us claim is covered), claims are ok'ed per the policy....never any issues, the people who work there are very pleasant, helpful and knowledgeable (they even followed up with vet to remind them to send additional info on this dog's history and then claim ok'ed for skin infection; we did no work! ....we have a high deductible and high annual coverage which makes it very affordable. We have $1,000 deductible but $15,000 policy for peace of mind for catastrophic events. Have not hit $1,000 deductible yet for any dog, but so far they have inspired confidence that we are well covered and claims will be paid when we do exceed deductible. Peace of mind is very affordable! Check it out!
4

out of 5

POSTED: | BY: Dee

great

It has been great. I would make the web site easier to get in to.
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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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