Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Tim Martin

If it wasn’t for Embrace Pet In’s. My dog would not be alive today!

If it wasn’t for Embrace Pet Insurance, my 4yr old German Shepherd pup (Fiona) would not be alive today! You see she got a really serious infection that kills female dogs within a matter of days unless they have emergency surgery. So for urgent care emergency surgery it would cost thousands of dollars that I did not have. However, thanks to Embrace Pet Insurance, Fiona was able to get the surgery she needed and is now a fully healthy and happy pup again. I do not have the words that expresses the appreciation and gratitude I have for Embrace. If you love your pet get Embrace!! They actually care about you as a customer and they care even more about the health of your pet!
5

out of 5

POSTED: | BY: Rosana sione

Excellent experience

Excellent experience! So far, I have a great experience , costumer service is very nice and professional and they are paying the claims very fast ! Totally recommend.
5

out of 5

POSTED: | BY: Tony Nguyen

The best service!

Every time I’ve called with any sort of concerns they are able to help me figure it out quickly and they are extremely kind and super helpful. I’ve been with them now 4 years since I got my pup.
5

out of 5

POSTED: | BY: PJN

Easy to use & prompt service

Claims submissions are easy and payment returns by direct deposit make the process easy. I receive consistent notifications of the progress of my claims and prompt credits.
5

out of 5

POSTED: | BY: Cynthia Glover

Happy with Embrace Pet Insurance

It took a couple months from the time I submitted my first claim and when I received my first payment from Embrace, but all claims after that were paid very quickly. Having my payments made by direct deposit is very convenient. The process of filing claims is easy, and sending documents is easy. Overall, I'm very pleased with Embrace Pet Insurance and the fact that they have paid by claims.

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 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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