Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Gayll P-H

Embrace is Great

Embrace is the first pet insurance I have ever encountered in the past 20 years that is actually worth the time/money spent on it. Their process is straightforward, easy to understand and navigate. Their claims process is timely and so easy to do if you can scan in documents from your computer. Our puppy Jesse, just had to have arthroscopic surgery and I was waiting to see if Embrace would come through on a big cost like this as well as they have for smaller issues. Same great service. I highly recommend them.
5

out of 5

POSTED: | BY: Rich

illness(cancer)

my dog was diagnose with cancer. hearing the news was heartbreaking as she is a beloved family member. embrace insurance made the claim process painless. They processed the claims in a timely manner without any nonsense. you could'nt ask for a better insurance company. dealing with my dog illness is enough without any other issues. embrace made the process a lot easier to deal with.
5

out of 5

POSTED: | BY: Jen

Quick reimbursement, great customer service

Fantastic customer service, quick processing of wellness claim! Thanks!
5

out of 5

POSTED: | BY: Martin

appreciated efficiency

Excellent experience with claim. I was updated immediately during the whole claim process and it happened much quicker than I imagined. I am very happy with their efficiency
5

out of 5

POSTED: | BY: Kristen

Easy company to work with!

We inherited the insurance with our pet about a year ago. Our dog unexpectedly got Addison's. the insurance has been helpful and the people at embrace have been very easy to work with.
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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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