Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: TERESA

This is the absolute best pet insurance…

This is the absolute best pet insurance around. Excellent customer service and they handle claims quickly and efficiently.
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5

out of 5

POSTED: | BY: Sara Melusky

A Must Have for any Pet Owner

Embrace has been such a blessing for our family. We were fortunate enough to only have to use them for wellness visits. They were so quick to respond to invoices and reimburse us with my wellness points. Just recently, our dog tore her CCL and required TPLO surgery. This was a very expensive surgery. I submitted the invoice and Embrace reimbursed so quickly. The first invoice was difficult for them to read, so they promptly emailed both my vet and me to get a more clear invoice. Once they were provided that, they got to work reviewing. I can not say enough good things about this company!
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5

out of 5

POSTED: | BY: Suzanne Fitzpatrick

Very easy claim process.

Very easy claim process.
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1

out of 5

POSTED: | BY: Jeppey

As a first time Furparent, do not get Embrace as a pet insurance!

They will put your claim on hold forever! They said that they tried contacting your vet clinic for additional documents but I don’t think they did! They want you to do it yourself as if you have all the time in the world to do that! Very inconvenient! Not helpful! Your company sucks!
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1

out of 5

POSTED: | BY: Micaela Pesci

Honestly have had issue after issue…

Honestly have had issue after issue with you guys. And during all the appeal process I was unable to claim the most expensive surgery required. So very unhappy
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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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