Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Bryanna M

Great health insurance and very easy process

Both of my cats were sick with separate illnesses. Embrace processed the claims very quickly and the reimbursement check was mailed quickly as well. The online portal was a fantastic resource to keep up to date with the entire claims process. I am very happy with this service.
4

out of 5

POSTED: | BY: Luis Villamizar

Piece of mind

My daughters dog "Luna" has been sick a couple of times and I was very pleased with the timeliness the claims were paid. You can view the claims status online as well, however the website is very basic and needs more detailed information about the claims. Overall very happy with Embrace !!!
5

out of 5

POSTED: | BY: Trisha Thomas

I love Embrace!

Both of our labs are now insured with Embrace and I have been very pleased with the high level of customer service and the ease of claim submission and reimbursement. I have told my vet about how good Embrace is and have recommended to all my friends and family.One thing to be aware of regarding this review, it was my female dog's first claim which required a medical history review. Therefore it took long than claims usually do. This was anticipated and the claim was processed as expected.
5

out of 5

POSTED: | BY: Deborah Drucker

Better than MY health insurance

Making a claim with Embrace was easily, and the policy paid for exactly what it said it would pay for. I wish my own health insurance was as uncomplicated! Also, the folks at Embrace are friendly - which is actually a real bonus when you're dealing with a sick pet, which can be stressful to begin with.
5

out of 5

POSTED: | BY: Gayle Paquette

Best pet insurance out there.

After 15 years with VPI pet insurance, I had enough with wondering if we would be covered. It seemed on some items we interpreted their payment schedule differently than VPI.Since moving to Embrace we have been pleased with their communication. We're emailed when they've received our claim and update when it's processed. At any time we can check status online. Our puppy has had a coup!e issues that have processed with ease. We're very pleased!
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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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