Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Cheryl

Embrace is great pet insurance

I have 3 dog and I have used Embrace pet insurance several times and have been very pleased at how fast they take care of claims, and how easy it is to file a claim. So far they have paid very well. I have had other insurance and they were not worth anything.
5

out of 5

POSTED: | BY: Stacy

Beats Trupanion, "Paws Down"

I am so thrilled with Embrace! I previously used Trupanion for my dog Colby. I was unhappy with their per incident deductable, lengthy claims review period, and their stingy limits on prescription dog food. Since I switched to Embrace, I am so impressed with the broad coverage, fair pricing, annual deductable, and generous wellness coverage options (which includes the option for prescription dog food). I am also impressed with the easy and quick claims review process. I will be sure to recommend Embrace to others!
5

out of 5

POSTED: | BY: Erica

Excellent Customer Service

Very professional, quick turnaround. Straight forward insurance plan. No gimmicks.
5

out of 5

POSTED: | BY: Frank

Embrace is the great

Have had embrace pet insurance for a little over a year. Made 3 wellness claims and never have had any problems. The claim process is fast and easy. The customer service is helpful and friendly, (changing policy amounts, answering questions, etc.). Very few pet insurance companies have the option of wellness plans that are for routine visits/shots, etc.
3

out of 5

POSTED: | BY: Martinique

Great Service but...

The agents are always super helpful, but the claims process is aggravating. Many times documents have to be sent more than once, additional information is usually needed, and in some cases additional documents or revisions have to be done for simple things like wellness reimbursements. If this process could be less time consuming it would be a greater benefit.
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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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