Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
4

out of 5

POSTED: | BY: Matt

Great service and quick reimbursement

Embrace has done a great job paying on all of my claims and has done so in a timely fashion. The only negative is that prescription food isn't covered under prescription drug coverage and I feel it should be at least in some cases.
5

out of 5

POSTED: | BY: Karen

Simple

I am very impressed with how fast my claim was processed. It is a very easy process to submit a claim. My experience with Embrace has been wonderful!
5

out of 5

POSTED: | BY: Gene

Embrace is comprehensive, convenient & affordable

Our two (2) King Charles brothers went in for annual wellness checkups, shots and flee/tic & heart guard meds. The charges were $1000. Our vet filled out the form in just a few minutes as we spoke and then faxed it in to Embrace. I received a confirmation of receipt in 1 business day and a status of claim 2 days later. Embrace covered $800. and informed me that the money would be deposited in my checking account within 48 hours. Embrace has been this reliable for us for three years and our vet believe it allows them to provide the highest and most cost effective preventative care.
5

out of 5

POSTED: | BY: Jeanne

Great service.

I was very pleased with how Embrace handled my first claim. Really appreciated knowing that they had received my claim and how long it would take to finish it.
5

out of 5

POSTED: | BY: Kerry

Great service and overall good experience

We have had a very positive experience with Embrace. Our dog is 2 1/2 and was diagnosed with Addison's Disease, which is a lifelong illness. To date, embrace has covered all our claims related to her illness in a very professional and timely manner. We are quite pleased with 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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