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.
3

out of 5

POSTED: | BY: Martinique Martens

Great Service but...

The agents are always super helpful, but the claims process is aggravating. Many times documents have to be sent more than once, additional information is usually needed, and in some cases additional documents or revisions have to be done for simple things like wellness reimbursements. If this process could be less time consuming it would be a greater benefit.
5

out of 5

POSTED: | BY: Marylou Cardenas

Mandy best friend ever

Our baby had acute pain in the middle of the night. We run to the emergency room and found she had gastric torsion (bloat) and needed surgery immediately. Although the doctors did their best, we lost our precious friend due to severe complications of this disease. In reviewing this experience, it was a relief to know she had Embrace Pet Insurance therefore the cost of care was not an issue in our decision to run to the hospital seeking for help. Rest in peace Linda Mandy, you always will live in our hearts
5

out of 5

POSTED: | BY: Irma L.

I am delighted at the service I am receiving.

I would like to say, I am delighted with the service for my pets. It's fast and I feel I am in real good hands. I would recommend Embrace to all pet owners.
5

out of 5

POSTED: | BY: christina

Great Communication/ Fast turn around time

I have been very happy with Embrace for the past 2 years. The claims are easy to understand, clearly explained and the refunds issued extremely quickly- they are better than my own health insurance- much easier to navigate and I know exactly what is involved because of their precise easy to understand communications- thanks to Embrace I can rest easy bringing my rambunctious Weimaraner in- what ever she gets into-
5

out of 5

POSTED: | BY: Melissa Watkins

Fantastic!

We have an Olde English Bulldogge who gets picked on by alpha-dogs of any size, unfortunately. Every time we have had to go to the vet for nips at the park or just regular check-ups, Embrace has always provided the best support! We pay for the highest tier plan and have never considered changing because the reassurance of having Embrace behind us for any surprise events or just general well-being has always been fantastic. No issues with them ever-- we 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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