Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,539

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: Darrell Strakal

Wellness Plan

I was really impressed with the speed at which our claim was processed and paid. I would highly recommend to anyone to get the Wellness plan in their insurance plan. Thank You very much.
5

out of 5

POSTED: | BY: Karina Babcock

Fast responses from real people!

I recently submitted 10 claims at once for our dog. They were handled promptly, and every time I had questions, I was able to respond to the individual handling our claims who provided thorough explanations and went out of her way time and again to answer my questions. My experience so far has been really great with Embrace.
5

out of 5

POSTED: | BY: Maria

Amazing Pet Insurance

Excellent customer support. Claims are handled very quickly and customer is updated while claim is processing. Super fast in reimbursing customer fortheir claim. Worth every penny for my 3 pets that are embraced.
5

out of 5

POSTED: | BY: Marian Joy

Quick and efficient

I have three dogs ( a new flat coat retriever puppy, a 4 year old flat coat retriever who is new to me and a 6 year old lab), and bought insurance when I got the new puppy in May. So far (thank goodness) I have only used the wellness part of the insurance. I was very pleased to see a very quick and efficient processing and the claim check in my post office box very quickly.
5

out of 5

POSTED: | BY: Lynette

Able to focus on recovery and not the money

Thank you Embrace! We were able to focus on caring for Riley before and after surgery and not have the worry of how we would pay for her splenectomy. Because we had the comfort of knowing Embrace was there we didn't have to factor money into the decision of removing her spleen/mass. It was an easy decision only based on how it would benefit her. No worries!
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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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