Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,920

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: Lauren

Friendly and FAST!

The claims process is simple and easy. Our reimbursement came in the mail as scheduled, hassle-free. I can't believe we survived THIS long with 2 dogs and no insurance (4.5 years). Embrace is the way to go!
5

out of 5

POSTED: | BY: Lisa

Very Satisfied

Very personal service, have had this insurance since 09 and had our first claims recently (bowel obstruction and foreign body ingestion). The explanation of benefits was very easy to understand which I really appreciate. All in all, so far, very satisfied with Embrace.
5

out of 5

POSTED: | BY: Kim

What a Lifesaver!

Our dog Frisco had a recent bad run of events that left us with significant vet bills. My husband in unemployed and we are living off of a single income making ends meet. Thank god for the pet insurance, it has been a lifesaver! It was tough to take on the vet bills but working with a great company like Embrace helped to ease the pain. We have always been able to get ahold of someone when we had a question and they are wonderful at emailing confirmations and explanation of benefits for all the claims we submitted. If only our personal health insurance was so clear! Thanks Embrace for offering such wonderful service to help us take care of our furry family members, I recommed them to everyone we meet! The 9/10 was just because our first claim took 15 days and a phone call to follow up to get processed...but when they did, they took care of all of our claims at once, even one we just submitted a few days ago!
5

out of 5

POSTED: | BY: Cindy

Very easy to deal with

I have been a customer for over 3 years and have been very happy with Embrace. They cover may things others don't.
5

out of 5

POSTED: | BY: Susan

1st Claim experience

I purchased Embrace for my 165 lb. Irish Wolfhound after getting clobbered with a $6,000 emergency bill for my 10 lb. kitty....When reading the fine print, I discovered Embrace had much better emergency coverage than many of the other plans. They have worked with my vet on pre-existing conditions. This was my first claim and I was interested to see if this was going to be covered and as easy of a process as they claimed. It definitely was!! I am very happy with their Customer Service. I sleep well nights knowing that my big boy should be taken care of during an emergency.
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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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