Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Donn

Wow....Color Me Impressed!

We have been with Embrace for just over a year and before the first year was up submitted a claim for over $4000. Our calico Carly decided to swallow over 2 feet of ribbon, which promptly obstructed her small intestines and required surgery. Embrace took a little longer to reimburse us, but kept us informed all through the process about delays due to high claim submissions. They never once questioned our claim documentation, have the nicest people and the best customer service I have ever experienced. We were reimbursed the full 80%($4385.00). Thanks Embrace you have customers for life.
5

out of 5

POSTED: | BY: Jane

Helpful claim reps

We have had 3 claims with Embrace for our 4 year old Viki. I have always found the reps to be considerate of the pet and efficient in getting the refund to us. They keep us well informed and are ready to answer any questions we have. Embrace came highly recommended to me by my vet!
5

out of 5

POSTED: | BY: Patricia

So quick and helpful!

Embrace contacted my vet and took care of breaking out the different parts of my claim which I really appreciated! Thanks for the quick and great service!
5

out of 5

POSTED: | BY: Cynthia

Quick, courteous, and friendly customer service!

This is the third time I have sent in a claim for my 12 month old German Shepherd.... all for Wellness! I have received $400 for the $300 I spent on the insurance! The customer service was quick to respond with an email on the status of the claim, and is always helpful when I have questions. I have had horse insurance for over 30 years and nothing compares to the quick turnaround of a claim to holding the check in my hand, as Embrace has demonstrated!
5

out of 5

POSTED: | BY: Angela

So glad to have Embrace Insurance! Thank U!

I strongly recommend using Embrace. I am very satisfied!
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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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