Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Anne Gagliardi

Very pleased with Embrace.

This is my first experience with pet insurance. My previous dog had high vet bills so I decided to give insurance a try with my Golden Retriever who is now 13 months old. He fractured his toe and the bills were over $1,000. I am very pleased with the processing of claims, communication from Embrace and the amount of money I have received.
5

out of 5

POSTED: | BY: Lucy

simple and easy reimbursement

My experience with embrace has been nothing but straightforward and easy. They answer questions quickly and clearly and are VERY accessible via email. I recently went through my first reimbursement following a problem my dog had with colitis - I wish all my own experiences with health insurance were half as simple and easy as the one for my dog at embrace!! I have nothing but good things to say about every aspect of embrace and recommend them to everyone with pets.
5

out of 5

POSTED: | BY: lisa ott

good stuff!!!

this is my first experience with pet insurance. i did not know that they had such a thing. it is helpful to know there is someone in your corner helping you along the way. vet bills are as much as our doctor bills and it can be financially a tough decision to carry on treatment or not.
5

out of 5

POSTED: | BY: Marife Munar

excellent!

Helpful staff. Fast reimbursement. No quams!
5

out of 5

POSTED: | BY: Robert S

Responsive and Great Customer Service

This was my first claim with Embrace and I was very pleased with their customer service. My claim was handled within 15 buisness days as advertised and any questions I submitted via website were answered within 1 day and their employees I spoke to aon the phone were always professional.
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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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