Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Diane

Great Pet Insurance

We have found the services offerd by Embrace are axactly as stated. Tereffic customer service and excelent claim management. Our puppy needed unexpected hip surgery and Embrace saved the day. We are happy that we have the insurance and it gives us peace of mind.
5

out of 5

POSTED: | BY: Alexis

Curteous and Helpful

This insurer had the best reviews and I'm happy I chose them. Claims are processed speedily and communication is good. The EOBs are easy to understand.
5

out of 5

POSTED: | BY: Abby

Excellent customer service

Embrace informed me immediately that they received my claim and followed up with my questions. I really appreciated the clarity of their explanation of benefits. They have been upfront about which conditions will not be covered and promptly reimbursed me for the submitted claims. I have been thoroughly impressed with Embrace and only wish my own health insurance worked this well!
5

out of 5

POSTED: | BY: Lee

Great Company!

Embrace was wonderful to work with when Layla was so sick. They paid what they said they would with no hassles & kept in contact with me through the whole process. Well worth the money!!
5

out of 5

POSTED: | BY: Jill

They Truly Care About Their Customers and The Pets

We have had major claims on two of our dogs while being an Embrace customer (fortunately not in the same year!). They have been very helpful in assisting us with the claim process and have been very quick in sending the reimbursment. Not only have they been supportive, they have followed up with us concerning how our dogs were doing while they recovered! They've made us feel like our dogs were important to them and not just a "number" in their files. We have recommended Embrace to many of our dog friends!
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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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