Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Katherine Porter

Love my Embracepet Insurance.

I have aa English Mastiff and have had to make several claims due to illness or injury. Embrace has been wonderful. My claims have been processed within days of submitting. Customer service always courteous and very helpful with any questions I may have. Couldn't be happier!
5

out of 5

POSTED: | BY: Lynne Varela

Best decision I ever made!

Purchasing insurance through Embrace was the best decision we ever made on behalf of our wonderful Dexter (6-year-old standard poodle). He had a CCL tear and subsequent TTA surgery in September. Embrace was with us all the way - easy claim submission and prompt, complete payments. I have heard nightmares from dogpark friends who have purchased other insurance, and I have told everyone that Embrace is definitely the way to go. Excellent customer service, and the coverage is exactly what is advertised. We are extremely happy with Embrace and thank you for making this difficult time a lot easier on the bank account!!
5

out of 5

POSTED: | BY: Mary

Fast

We submitted the claim and within a few days they contacted us. Not long after that it was approved and a check was sent.
5

out of 5

POSTED: | BY: Raleigh

Fast and easy!

My claim was processed fast once I submitted all the paperwork. I received my check fast as well. Very satisfied.
2

out of 5

POSTED: | BY: Victor

Quick and complete.

Claim was processed in about 1 1/2 weeks. Accurate and very helpful.
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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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