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: Rebecca

Tremendous in Handling Claims!

This is so much better than human medical insurance!! I submitted a claim form which had part well and part ill services on it. They wrote me and explained they would be splitting the claim into 2 claims and promptly processed each one and paid out very quickly. I would have expected them to reject the claim and make me resubmit them separately, but instead they took care of it and I didn't have to waste time. Soooo appreciated!
5

out of 5

POSTED: | BY: Jeffrey Carney

Good Value and Coverage

I compared all the different companies, and found Embrace to offer the best coverage and value for my Golden Retriever. I particularly like the wellness coverage. Claims have been processed promptly and can be deposited directly into your account. I wish I would have found them sooner.
5

out of 5

POSTED: | BY: David R

Wonderful support - they made it very easy!

The Embrace folks did a wonderful job - all we did was fax in our receipts and they took care of the rest - about 2 weeks later we received checks. Thanks for the great support and quick response.
5

out of 5

POSTED: | BY: Cheryl

Satisfied

Prompt and pleasing service after finding a small lump on my Doodle. Lump benign and claim payment received. Great results on both ends.
5

out of 5

POSTED: | BY: Sandy

Best pet insurance

I didn't think the coverage would be necessary or worthwhile until my young dog's anal glands burst. Embrace reimbursed the full 80 percent quickly. I have since added coverage for my second dog.
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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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