Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Barbara C

Smart Choice for Pet Insurance

If you're going to have pet insurance, you have to make a smart choice and have the right amount of coverage. Embrace has proven it was the best choice for us. Our puppy has had chronic gastro problems since she was adopted so we've had to submit multiple claims. No problems with claims being covered and when they needed more info--they contacted my vet directly. Always give very quick responses. Awesome customer service.
4

out of 5

POSTED: | BY: Lee Isdell

GREAT insurance!!

Extremely fast. Pays as promises (for the level you sign up for). Excellent Customer Svc (usually via Internet, although phone works too). I obtained the "optional" "Wellness" Health coverage..it paid for itself. I'll renew
5

out of 5

POSTED: | BY: Kim Dutkoski

Glad I purchased

I just purchased a wellness/sickness policy and less than a month later went to the doctor for a wellness visit. Sending in the insurance form was very easy, the review process was easy with emails giving me updates and once the review was complete I received an email with the positive outcome. Each person I spoke with, when purchasing and then sending in my first claim, was very pleasant and helpful. So glad I purchased this insurance! Thanks. Kim
5

out of 5

POSTED: | BY: Charlie Thorn

This Pet Insurance Company is the One You Want!

This company always exceeds my expectations when it comes to filing a claim and reimbursing me. Also, if you sign up for direct deposit... you will have your claim disbursed into your account the next business day! My dog had a malignant tumor in his torso the size of a golf ball - which had cost me almost $2000 to have removed. I'm expecting my first child in a couple of months, so receiving a reimbursement was vital now more than ever and Embrace did just that, quickly too!
5

out of 5

POSTED: | BY: Hayley MillsReese

Fast result

We have recently switched pet insurance companies and are amazed at how quickly our first wellness claim was processed. In the past our other insurance claim was emailed, then it took approximately 10 days for any explanation, or payment, with embrace I received an email saying our claim was received and the very next day another email explaining the results of the claim. I am impressed.
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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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