Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Stacey B.

Chocolate/Caffeine Poisoning Incident Covered

Our small dog got into and ate a significant amount of dark chocolate and dark chocolate covered expresso beans over the holidays. We had to take him to the ER to induce vomiting and they kept him overnight to monitor his heart and administer fluids. This was the first time we had to submit a claim, and it was straight forward and paid quickly.
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5

out of 5

POSTED: | BY: Frank J Mausolf

Top Notch Pet Insurance

We have had Embrace for 8 years covering our Chocolate Labrador Retriever. The Claims Process (online) is simple and reimbursement is quick. We have never had an issue with challenging charges or services rendered and billed. We have unfortunately had some very high surgical bills and Embrace has given us piece of mind when worrying about the cost of treatment. We have recommended Embrace to numerous family members and friends. We are very happy with Embrace, the coverage, the claims process and the reimbursement speed. We would highly recommend Embrace to cover your pet.
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5

out of 5

POSTED: | BY: Tina Hale

Excellent customer service

I have had Embrace pet insurance for several years but thankfully never needed to use them until this year, we are making up for our last time and the year isn't even halfway up. I have submitted many claims and contacted Embrace customer service also many times every experience has been Pleasant and every claim has been easy to file online and paid either the same day or the very next day. I highly recommend embrace, I tell everybody their customer service is similar to Nordstrom's, Top Notch!
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5

out of 5

POSTED: | BY: none

Very easy to deal with

Very easy to deal with. Claims paid very quickly Love this pet insurance
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5

out of 5

POSTED: | BY: Ricki Rios

Am considering adding a pet to my…

Am considering adding a pet to my family. Embrace has made it actually affordable for us! Definitely a good thing for us Retired Seniors!
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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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