Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Alice Winfree

Super-fast much-needed reimbursement!-

I am *so* impressed with my Embrace claim-processor Embracer Amanda Collins - I submitted the claim only a few *days* ago and already Amanda has processed it, approved it & sent the reimbursement into my account - WOW! And I really need that reimbursement right now. I am a happy & satisfied customer of Embrace Pet Insurance for a few years now, and this latest reimbursement is one more reason why. Thank you *so* much, Amanda!
5

out of 5

POSTED: | BY: Joseph Spano

Embrace insurance is better than my personal one

From customer service, to explanation of each claim coverage, to fast reimbursements nothing else compares to this company
5

out of 5

POSTED: | BY: Rebecca

These guys are great!

Have had them for 2 yrs now and my dog has managed to get into all sorts of trouble. Have more than gotten my money's worth! They have been prompt, helpful and personable. Little pricey but well worth it!
5

out of 5

POSTED: | BY: Flint and

Great service, coverage, claims, turnaround

I've had Embrace for three years for both my pets. They service claims in a timely manner and have great customer service. Their adjusters get back practically immediately if you have questions. Premiums are fair and have differing deductibles making them affordable. Definitely recommend.
5

out of 5

POSTED: | BY: Erin Megan

Absolute Must Have!

It only makes sense to me to have health insurance coverage for my Australian Shepherd Foster. He's a 7 year old male and as he gets older I feel confident in the care he will receive as well as confidence in the fact that I won't have to worry about how I will pay for that care! Currently I have wellness rewards as part of my coverage for him. I pay $38 a month for his coverage and when I take him for his annual wellness exams, I am reimbursed within a week of the claim being sent to Embrace! I also receive coverage for his flea and heartworm preventatives!! Love that I did this and I would highly recommend all my friends to do the same!
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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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