Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Theresa

Pleasantly surprised and impressed

This is the first time that I have submitted a claim with Embrace and they were efficient, fast, and very helpful when I did have to contact them. They also send a follow up to ask if my check was received. They go the extra mile.
4

out of 5

POSTED: | BY: TJ

Great Customer Service!

I switched from VPI to Embrace. What a difference! The customer service at Embrace is wonderful. Reimbursement checks arrive very quickly!
5

out of 5

POSTED: | BY: Coleen

Wow! I'm impressed.

I am so happy to write this review and say that I will tell everyone I know, and my vet, that I couldn't be happier with the way that Embrace handled my 1st claim. They were thorough, communicative, and prompt. They answered all of my questions, worked with my vet and I got my reimbursement check within 4 days of filing the claim. As I said... WOW!
5

out of 5

POSTED: | BY: DESMT

welcomed change

When I got 2 kittens I investigated and read reviews on all the different pet insurance companies. After having a negative experience with ASPCA and my dog I was hoping that all companies were not the same and I could find quality insurance at a fair price. I decided to go with Embrace and their Wellness Plan. I submitted my 1st 7 claims together. Within 1 day I got an email confirmation of receipt of the claim. The following week i got an email saying my claims were processed and the checks were in the mail. Days later I received full payment for all 7 claims.
5

out of 5

POSTED: | BY: Sharon

Excellent Insurance Coverage

Embrace is the best insurance ! My 10 month old lab puppy ate 1/2 pound of grapes which can be toxic --- my vet said to take him to ER. He is doing fine. I am putting all food items away as soon as I get home so he doesn't have the opportunity to "surf" the counter tops. Just within the last month his growth & reach seems to have extended another 6 inches! Embrace processed the claim and I received payment within a week! Remarkable quick turnaround!
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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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