Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Carole Cinnamon-Lingo

Wonderful!

I've had Embrace insurance for less than a year for my 2 kitties. I especially like the Wellness coverage since my furbabies get annual check-ups which have become costly since they include teeth cleaning.Each kitty had a check-up this year. Emails informed me my mailed claims had been received and when the payments were sent. Both times I received my payments within 7 days. I could not be happier with Embrace. Preventive care should be covered just as it is (finally!) with humans.
4

out of 5

POSTED: | BY: DC

payment reimbursement much faster now

Hi I wrote a favorable review about a year ago or so but since then I was a bit put off by the slow reimbursement. But the last three claims have been dealt with very quickly and promptly (replied to my claim and reimbursed within 3 business days) so I wanted to thank Embrace for really making an effort to improve upon that. Kudos to your growth and customer service.
5

out of 5

POSTED: | BY: Linda

Prompt

Submitted Wellness claim for my dog after spay surgery with vet. The claim was handled promptly and my payment deposited as promised. Of course the bill was higher than the claim, but I did go with the vet instead of an animal welfare group, which was my choice. So far so good with Embrace but I haven't used it for anything except for the Wellness benefit which is an extra monthly cost.
5

out of 5

POSTED: | BY: Samantha

Simple

Embrace has been by far the easiest pet insurance to work with. They're also quick with reimbursements and have all the available forms readily available, plus they're accepted in all the vets by me. No hassles and are even quick to respond to emails, not like many other insurance carriers.
5

out of 5

POSTED: | BY: Jackie Price

Gastritis vomiting for a month

It took three hospital stays, and one surgery to get our small poodle mix well. Embrace was with us all of the way. Our claims were acknowledged and paid promptly. When I did have questions the were answered immediately. This is our second year with Embrace. We have over 300 dogs in the retirement community we live in, and I tell all the dog people I meet on our walks how great the service is. Our veterinarian was also very impressed.
Please leave a review

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.
Provider website

Get a quote today

Leave a review