Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Sadie

First puppy visit

Embrace staff have been exceptional to work with, they are always willing to help when you contact them. I submitted my claim and they notified me that they were mailing a check to me directly for the entire claim amount.
4

out of 5

POSTED: | BY: Stacy

Freddie

My dog Freddie was bitten by brown recluse spider. I really love Embrace Insurance and the company has been great in providing updates on my claims.
4

out of 5

POSTED: | BY: Larissa

Good service

Very responsive to both enquiries and claims. Good communication so I always know the state of my claim.
5

out of 5

POSTED: | BY: Barbara

The BEST insurance company EVER!!!

My dog is old and my claim was high! It was for orthopedic surgery. No hassle, no sweat! The people at this company are terrific! Even better, quite professional and competent. The company lives up to it's promise. I couldn't be more pleased with the service and reimbursement. I truly wish human insurance companies were as well run! I promised my best friend I would always give him the best care I possibly could and this company made that possible.
5

out of 5

POSTED: | BY: Sally

Wellness claims and customer service

My first claim for Wellness benefits was very easty to process. Customer service was excellent and I was happy to receive the direct deposit in my checking account a few days later. Thanks Embrace!
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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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