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: Alice

Prompt service - wish the deductible were lower

I am very grateful to Embrace Pet Insurance in general - and to the customer-service claims Embracers. Amanda Collins acted so speedily and thoroughly on my most recent illness claim for one of my cats. However, being a lower-income person, a disabled senior, I wish I could afford to have a lower deductible. It's disheartening to have that $500 deductible amount, in terms of some of the ongoing health issues my rescued special-needs kitty is bound to have. That's just my life at this point. But at least the Wellness part of my pet insurance for that same kitty, for special diet food, is a big help throughout the year.
5

out of 5

POSTED: | BY: Judie

Reliable and Communicative

Real people behind real time reponses to inquiries and claims! I can't be happier with my puppy's insurance coverage with them so far in the past two weeks. They are thorough and professional as well being personable! A real joy to be their customer.
5

out of 5

POSTED: | BY: Barbara

Honest and Reliable Pet Insurance

I have had to use our Embrace insurance policy several times over the last two years. The company handles the claims quickly and has yet to let me down. If you follow their guidelines about providing all veterinary notes for your pets, it will speed up the process. I highly recommend this company!
5

out of 5

POSTED: | BY: Alice

Super-fast much-needed reimbursement!-

I am *so* impressed with my Embrace claim-processor Embracer Amanda Collins - I submitted the claim only a few *days* ago and already Amanda has processed it, approved it & sent the reimbursement into my account - WOW! And I really need that reimbursement right now. I am a happy & satisfied customer of Embrace Pet Insurance for a few years now, and this latest reimbursement is one more reason why. Thank you *so* much, Amanda!
5

out of 5

POSTED: | BY: Joseph

Embrace insurance is better than my personal one

From customer service, to explanation of each claim coverage, to fast reimbursements nothing else compares to this company
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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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