Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Golden owner

Easy to use, reasonable rates

Embrace was recommended to me by a fellow dog-owner. I had not heard of them at the time, but I had previously researched several different pet insurance companies and had always found them too expensive. When I looked at the Embrace website, I liked their reasonable rates and reimbursement policies, so I signed up. I have submitted several claims over the years, which is a very quick and easy process (you fax in a form, and they email you the claim status and a check if you have reached your deductible amount). I feel much more secure knowing that I have insurance for my dog!
5

out of 5

POSTED: | BY: Regina Tracy

Very Happy to Have Embrace

We've all heard about the sturdy little cat that rarely goes to the vet and enjoys great health, and lives to an old age. Sherlock is not that cat. I did not know until after I got him that he would be prone to many of the problem that can face Persians. But happily I had signed up with Embrace before he arrived and have not been disappointed. The reimbursement process is simple. It is handled quickly. Best of all, the staff's communications always display a genuine interest in Sherlock's health.
5

out of 5

POSTED: | BY: Susan Mooney

Efficient processing of claims

had claim forms available for service provider at the time we picked up our dog. the facilities were great about accepting the forms and offered no hassle about faxing for us while we were paying the business office. couldn't have been easier
5

out of 5

POSTED: | BY: Donn LiPera

Best ever customer service

We have had several expensive vet visits for our 11 year old marmalade and white cat Andy over the last few months. Embrace has provided reimbursement checks for approximately 5 or 6 different claims in less than 2 weeks. I wish I could find a human health insurance company with the customer service of Embrace.
5

out of 5

POSTED: | BY: DJ

Great In Everything

Quality, Professional, Caring, Efficient, Superior, No Gimmick, Excellent Provider. They are the very best, I sleep at night knowing our beloved dogs have a quality plan that keeps them safe and well. all four of our pups are insured with Embrace. As I said they are caring, effete net with claim processing, this is quality coverage and they are superior in everyway. Not one gimmick with Embrace, genuineness through and through.
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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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