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: Jenny

Excellent in every way!

I cannot imagine what we would have done without Embrace over the past few months. We found a rare mass in my 8 year old lab's heart and had to begin chemo among other treatments suddenly. Embrace helped ease the great financial burden so we could focus our energy on loving and taking care of our Belle. Everyone from the customer service reps on the phone at Embrace to the claims department has been fabulous to work with. The staff is so compassionate as well as helpful. The website is very user-friendly. I am so thankful for Embrace!!
5

out of 5

POSTED: | BY: Lisa

Pretty awesome

My claims were processed promptly & I was kept informed of the status. Got my reimbursement checks within a couple of weeks. Embrace does an amazing job, very pleased.
5

out of 5

POSTED: | BY: Paul

Absolutely the best.

I wish my health insurance were as good as Embrace for my dog, and I wish everyone treated customers the way Embrace's people do. The coverage is great, and the way Embrace handles claims is fair, friendly, and quick. I can't say enough good things about Embrace.
5

out of 5

POSTED: | BY: Rachel

Easy as Pie

Very pleasant experience and easy as pie to submit claims and receive reimbursements. Luckily they have only been wellness claims so our experience has been very good. This is our first family pet and first experience with pet insurance.
5

out of 5

POSTED: | BY: Cathy

Very Satisfied Customer

I have forward my claim to the company and I got the check one week after I sent the claim. I got the whole amount refunded. Thank you very much for your timely response. I will definitely recommend your company to everyone I know that has a pet. Thank you for continuing your great job!!
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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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