Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Nancy L

Worth the investment

I have an insurance policy on my youngest dog and for the second year in a row, Embrace has promptly and fairly processed his claim. It is worth every penny to me that I know he is insured by a legitimate company that cares!
5

out of 5

POSTED: | BY: Shirley A.

Ingested Foreign Object

This is my second claim with Embrace They give a quick and friendly response and you receive a quick and fair payment on your claim. From my personal experience I highly recommend Embrace to all pet owners seeking a great pet insurance company
5

out of 5

POSTED: | BY: mary ziegler

great customer service

Prompt and courteous attention. Great service so far.
5

out of 5

POSTED: | BY: Jeannie

Very Impressive

I did a lot of research when looking for Pet Insurance coverage. I am very happy that I chose Embrace. They are very efficient, friendly to deal with, quick to respond and are very knowledgeable. I have recommended Embrace to 2 of my co-workers who joined Embrace and are as happy as I am. We talk at work about how quick and helpful they are. Thanks ! Keep up the good work!!
4

out of 5

POSTED: | BY: Tiffany Maloney

one big drawback

While this company has many excellent qualities there is one big drawback. They claim all vets accepted. What they do not mention is.... the vet must fill out paperwork EVERYTIME you submit a claim. The office I go to does not file insurance ( or do any paperwork) after a very long phone call to embrace plus sending in doctors notes I still do not know if they are going to pay my claim for an illness it has been 2 weeks. Embrace is willing to pay for the WELLNESS PORTION VERY QUICKLY but considering that is money they are just holding for me I am not too impressed. Until I find out if this illness claim will be paid I would not recommend this company.
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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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