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: Susan G.

Honest, prompt settlements

In the past 2 months I have made claims for both of my dogs for expenses totalling approximately $3,000. I have received prompt service, good communication and reimbursement that was exactly what I expected, based on my contract with Embrace. This is consistent with my past experience with Embrace. I have recommended Embrace to everyone I know with pets.
4

out of 5

POSTED: | BY: Michelle

Honest, Accessible, Friendly

I've submitted two claims in the three years I've had Embrace animal insurance and both times I've received speedy assessments and rapid reimbursement. The monthly premiums are not cheap, but the service is excellent. I have selected coverage for what can often prove to be expensive, elaborate treatments for potentially chronic illness (planning for the future that I hope doesn't come), and I have confidence that Embrace will uphold its portion of our agreement.
5

out of 5

POSTED: | BY: Ruth

Embrace Pet Insurance

First claim on our policy, impressed with the quick processing, great communication and very fast payment. We are very impressed with Embrace! They are really customer service oriented! We had another pet insurance for several years and when their premium made HUGE increases (pet age 3 yrs) we did a lot of research to locate a new insurance company. Embrace had the best reviews and flexible plan choices.
5

out of 5

POSTED: | BY: Susan

new customer likes efficient service

I enrolled three pets in Enbrace Pet Insurance with optional coverage for routine visits, last month. This month I took all three pets to the vet 2 weeks ago, submitted the information last week and Embrace is issuing a check as of today. Communication seems quick and service is efficient. So, as a new client: so far, so good!
5

out of 5

POSTED: | BY: Mike N.

Why can't human health insurance be this easy?

I wish they had embrace for people! Seriously, Embrace is the best. Once I met my deductible the reimbursements for covered expenses happen within 2 weeks of submitting a claim, every time. I know of NO other pet insurance that covers genetic conditions... being a purebred Lab owner that means hip issues could crop up in the future. No problems yet, but it feels good to be covered. Best 20 bucks a month I could spend.
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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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