Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Beth

Highly Recommend!

Wow, I submitted a claim that I really didn't think would be reimbursed and to my surprise I received partial reimbursement. I have had other pet insurance in the past and never received a reimbursement on any claim submitted. Service is outstanding. I highly recommend this company.
4

out of 5

POSTED: | BY: Paula

EMBRACE WORKS HARD TO PLEASE

My little girl, Gracie (dog) had a mass on her head that needed to be removed. Vet did the work and we submitted our claim. Embrace initially made an error in the amount paid but with an email to them they looked into it right away and sent an addtional check. They worked well with us to get the issue straightened out and worked quickly.
5

out of 5

POSTED: | BY: AJ

So Impressed

We chose Embrace because of the reviews. Our experience has been just as consistent. We purchased the insurance when our purebred puppy was just 10 weeks old and, just after she turned one, we were surprised to find out that she needed knee surgery. Just like the reviews said, the Customer Service at Embrace is prompt, attentive, caring, and they provide reimbursement within 10-15 days. We have told everyone we can about Embrace. If you are deciding whether or not to choose Embrace, search no more. They're wonderful.
5

out of 5

POSTED: | BY: cathy

fast & efficient

We received prompt and personal responses to our claims for our dog's vet visits. With instruction, we were able to submit the appropriate information and received our reimbursement well within the specified time frame. Thank you, Embrace!
4

out of 5

POSTED: | BY: Paula

Good to work with

Issues with coverage, but they were willing to work them out reasonably. Hope to continue with them.
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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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