Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Jen Brown

It works!

After lots of research, I purchased embrace pet insurance when Baxter was just a puppy. Hes a basset hound and I was worried about future breed related health issues ( which hasn't been a problem). He is three now and I have filed a few claims this year with no issues at all. Responses have been polite and timely. This insurance makes the decision process easier for seeking treatment and allows me to focus on my pet rather than the bill. Like all insurance, you must read the coverage and limitations.
5

out of 5

POSTED: | BY: Angelique TArride

Excellent Service

I have been very pleased with Embrace service. Their customer support has been exceptional, the coverage is exactly as described and claims have been hassle free. My SO had VPI and changed as soon as he saw how much easier Embrace was, how much faster and easier claims were. My last claim was processed and i received my reimbursement in under 7 days. Amazing. A+.
4

out of 5

POSTED: | BY: Elizabeth

french bulldog FCE

Took about a month to get check from my dog's ER visit but otherwise embrace has been great. the plan I have covers 80% of my french bulldog's bills. they do not cover day boarding when he needs to be at physical therapy for over a few hours though. would recommend.
5

out of 5

POSTED: | BY: ellen harris

excellent service

I have submitted claims three times to Embrace for my 7-year-old Havanese and have been very pleased with the prompt no-hassle service and the d ability to ask questions of a courteous and knowledgable agent.
5

out of 5

POSTED: | BY: Mike Conover

Professional Staff and Quick Turn around

I am a relatively new customer of Embrace and shortly after obtaining my policy my Female Newfoundland became ill. I filed for reimbursement of the vet bills and received an acknowledgment of the claim immediately and was kept informed through out the process. Total time from claim filing to receiving the check was less than 6 weeks. Impressive.
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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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