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: Kathleen Osborne

Embrace Pet Insuirance IS AWESOME!

I recently got a puppy and knew from not having pet insurance in the past I wanted it this time. I explored all kinds. Embrace seemed to fit my needs the best. They do what they say they are going to do and reimburse promptly. No claim is too small or too large... AND they reimburse based on what you paid not a sliding scale! LOVE IT! Highly recommend this insurance.
5

out of 5

POSTED: | BY: dale ann

Very accountable and efficient

I have had Embrace pet insurance for years and have been continually impressed with the care, integrity and consistency. I have no regrets whatsoever. Very kind and fair-minded personal....
5

out of 5

POSTED: | BY: Julie Punchard

Great customer service and fast reimbursement!

Submitted Wellness claims and received reimbursesment in about a week. Super easy and their customer service is great. Got emails regarding claims updates every step of the way.
5

out of 5

POSTED: | BY: Beth

Very Happy with Embrace

I have been with Embrace for a few months now and so far I am very pleased with my experiences with Embrace. My questions are always answered, the claims are processed quickly and their customer service is excellent. We have been having some GI issues with our Boxer rescue and while that has been stressful, knowing that we have Embrace insurance is helping us through this rough patch and we feel good knowing we have chosen a good pet insurance company for our Boxer boy!
5

out of 5

POSTED: | BY: Chanda Halderman

Couldn't ask for more!

I spent a lot of time researching pet insurance as the idea seems smart but we've all heard the bad stories about clauses and refusals to pay. I chose Embrace and have never regretted the decision. For many years my German Shepherd Max was healthy and didn't need a thing - which is the best case scenario. He is now getting older and has been plagued with some of the old age ailments we can all look forward to - including severe arthritis in his back and legs and was recently diagnosed with neurological degenerative issues. Embrace claims are processed immediately upon submission and it is really pretty easy. All of my communications with Embrace have been with knowledgeable and friendly folks who really seem to care about Max. After a surgery he had a few years ago - they even called to see how he was doing! Getting older is never easy - but having Embrace as a partner in my dog's care has made a huge difference in Max's quality of life and mine. I cannot recommend them enough. Don't even think about another company. I recommend them to everyone I can.

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 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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