Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,422

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: Patricia Reid

Great claim updates

I love the fact that as soon as I take Duke in to the vet, the very next day I get an email telling me that the claim was received and is being reviewed. I like the fact that I never need to follow up with you guys. You do it for me. Thank you, Patricia Reid
5

out of 5

POSTED: | BY: Linda Khalil

Professional and fast

This is my first experience with pet insurance and Embrace has lived up to it's reputation. Claims are handled quickly,explanations of how benefits are calculated are clear and concise and their customer relations are excellent. The kept me up to date on all phases of claim status-receipt, processing and settlement. I wish my "people" insurance was as easy.
5

out of 5

POSTED: | BY: Lonnetta

Fantastic company - seamless reimbursements

I have nothing but great things to say about this insurance company. My French bulldog had a herniated disc and I was extremely upset because her hind legs were paralyzed. My boss asked me what insurance company I use cause he needs insurance for his two dogs. He asked if they were any good? I said we will see on how long it will take to get my claim paid. It took less than 10 working days..unbelievable. I am telling all my pet owner friends to get this insurance. I am very thankful for their kind approach when speaking with them on the phone as well.. I give them an A+++
5

out of 5

POSTED: | BY: Will Paty

Efficient Claim Processing

I had to take my boxer, Stanley, to ER due to bloat condition. He is fine now. After this vet visit,I would recommend feeding your dog two or three smaller meals a day rather than one large one. The claim was handled very efficiently by Embrace and I was given status updates along the way. Only took 2 weeks to process and pay my claim. Thank you Embrace for the great service!!
5

out of 5

POSTED: | BY: Anett Rowe

Reliable and good communication

Just like with your children, you just never know when something weird, traumatic or unexpected is going to come up and you don't hesitate to make them better; but you're also hit HARD with the bills. I used to roll my eyes at 'pet insurance' and the eccentric people who bought into it ; but with one big playful dog and another very active dog....like kids...unexpected things can happen, and I'm beyond grateful now that I bought insurance to help with the bills. It only takes one mishap....and now I'm grateful and a firm believer in pet insurance.
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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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