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.
4

out of 5

POSTED: | BY: Gina

efficient and easy process!

Very easy to file a claim, easy to understand and check on refund, rates are comparable in Ins, only a reduction in monthly cost, perhaps for age or length of time a member, would be the only thing I would recommend
5

out of 5

POSTED: | BY: eric

Our claims were handled very well!!!

My canine companion, Annie was brought in to her regular vet and a specialty veterinary practice to deal with her frequent vomiting and other serious digestive problems which seemed to come on suddenly. I submitted 4 claims covering this intense period of time. All 4 claims were handled by Embrace in a timely manner. The reimbursements for the claims pretty close to the actual charges, so needless to say, we were very pleased.
5

out of 5

POSTED: | BY: anthony

Good pet insurance

Embrace has been very good over last 2 years with my 2 pets. What they say is in the tin is actually in the tin. No issues whatsoever and have had a few accident and sickness claims for both dogs.
5

out of 5

POSTED: | BY: Crisel

No complaints with Embrace

My little chihuahua suffered from a bad bout of gastroenteritis. With Embrace, I knew we could run full diagnostics (x-rays, blood panel) to rule out more serious conditions like gastrointestinal foreign body or obstruction. It helps knowing you don't have to be worried about the cost of veterinary care when your pet is "embraced". They have to match Trupanion though, wherein they have an online system that pre-approves a claim in minutes, right at the vet's office. Special thanks to Kyle for handling my claim and to Laura for following up.
5

out of 5

POSTED: | BY: Barb

Quick Payouts

I have had pet insurance before and always cancelled the 2nd year. I did not feel I received my monies worth. Claim submissions were cumbersome and slow. My vet forwards the claim, I receive and e-mail and a short time later a check. Easy. Am so far pleased. Will be coming up on a year soon, and am hoping the premiums will not go out of sight. So far so good and highly recommend.
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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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