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: Cathy

Bernese Mountain Dog - Abscess

Embrace has been terrific! The notifications of claims received was prompt. The payout completely satisfactory. I have used other pet insurance companies and am seriously thinking of switching all of my dogs to Embrace. This required two separate surgeries and several vet visits and one emergency clinic visit.
5

out of 5

POSTED: | BY: Tabitha

New to Embrace

Me and my little pup are new to Embrace. We went for her puppy exams and got her vaccines. I didn't file them right away. I got an email asking that the vet fax records with a copy of the email. I didn't need to do anything but give them the email. I got an email from Embrace letting me know they received her records. I filed the claims. I got an email within days that they were processed. I got the checks a couple of days later. And then got a follow up email to make sure I had received the checks and if not was asked to contact Embrace so they could be tracked.Very, very good customer service!
5

out of 5

POSTED: | BY: Yvonne

Excellent

My Puppy had an elevated liver enzyme result and needed to take medication to correct the levels. I submitted all required documents and in a few days my claim was reviewed and check was mailed.Great insurance to deal with
5

out of 5

POSTED: | BY: Tony

Molly's spaying

We had our Molly, spayed on August 27th and submitted a "Wellness" claim for her care, through our vet. The claim was handled quickly and we were kept appraised of it's status, throughout the process!!
5

out of 5

POSTED: | BY: Chloe

Amazing

I have had nothing but good experiences with Embrace. They have provided prompt, reliable medical coverage with a knowledgable staff. I experienced nothing but a headache with another insurance provider. I switched to Embrace 3 years ago and remain happy and confident that my pups have a reputable provider.
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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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