Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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.
4

out of 5

POSTED: | BY: Claire

Good coverage but slow claims processing

The people at Embrace are friendly and helpful, and the coverage is comprehensive and includes conditions other companies exclude, but it takes a couple of months to get a claim processed. (I received word today, 11/27, that my claim from 9/25 has been processed.) When I asked why, the answer was that they are training new employees. However, I submitted two claims over a 6 month period, and the wait time was close to two months both times, so that answer doesn't seem sufficient. Still, I appreciate the level of coverage and would recommend the company on the basis of that.
5

out of 5

POSTED: | BY: Jon

Attention to Detail and Customer Satisfaction

I have had Embrace Insurance for my Bull Mastiff she since was 8-weeks' old. The past 2-1/2 years w/Embrace standing behind her health and well-being have been very reassuring and comforting to me. They have been there for her routine canine well being and her mischievous acts affecting her health. Laura Bennett and the entire Embrace Team make having pet insurance well worth every dollar and are eager to make the process easy! I look forward to adding a new puppy to our policy come the end of December when a French Bulldog puppy arrives for Xmas.
5

out of 5

POSTED: | BY: Barbara Davis

Archies Surgery

Archie went in to the Vet for his Neutering. I filed his claim the next day. I received my check last week for for the procedure. Embrace, you are great. I have already told my vet about your insurance and they had never heard of you but they have now and are telling their other customers about you.
5

out of 5

POSTED: | BY: Sherry

Chocolate....BAD

Unfortunately, our boy Winston, seems to root out chocolate even if it's hidden. This has not fared well for him. Thankfully we had Embrace on our side. The relief in having him well (after HIS medical trauma) is worth any premiums we have paid. Apparently, once they get a taste for the chocolate, it's hard to keep them away...Thank you Embrace!
4

out of 5

POSTED: | BY: Phyllis

Timely response. Good communication.

I appreciate the email telling me how much of my claim was covered, and how much is remaining of my deductible.
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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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