Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,434

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: Michelle

First Claim Review

The verdict is in and I had a great experience with my first yearly dental claim, it proves I made the right choice! The customer service is SUPERB, top-notch for sure! The claim form was super easy to follow, even the vet's office staff was impressed! I'm extremely grateful to have found Embrace Pet Insurance!
5

out of 5

POSTED: | BY: shari durant

thank u !!!!

embrace made my life better. thank u 4 doing my claim in record amount of days..
5

out of 5

POSTED: | BY: Robert and

Claims Handled Professionally and with Caring

Our two dogs had mishaps very closed together--one with an allergic reaction to new flea and tick medication and one a possible bite. Both required emergency hospital vet care. Embrace showed caring for our dogs in their reply to our claims. These were our first claims to meet the deductible and all was handle very satisfactorily.
5

out of 5

POSTED: | BY: Kathryn

Awesome Pet Insurance

I have had different insurance for my dog before, and it not only didn't cover anything, but it was a hassle to submit a claim and talk to someone. I recently switched to Embrace, and it has been the easiest process ever. I just got a $400 reimbursement check for my pet, and I received it within a week of the vet submitting the claim. I will definitely be sticking with Embrace!
5

out of 5

POSTED: | BY: shari

Professional and Easy

The vet staff actually completed their portion of the claim form incorrectly. I realized this, and sent an email to Embrace. The next day I was emailed back, my claim was approved, and shortly afterwards I received a check in the mail. We are so happy we have pet insurance for our three dogs. We rescued a greyhound this year, and she had taken full use of it! We would be lost without this coverage.
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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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