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: Julie G

SO glad for Embrace Pet Insurance!

I cannot express how glad that we switched pet insurance companies a couple years ago when we adopted a second German Shepherd. While he has been for the most part, very healthy, our older GSD was diagnosed with Cancer last summer. We could not have gotten him the chemo treatments if we didn't have Embrace. No exclusions, just our deductible and percentage loss settlement. Our previous company had oodles and oodles of exclusions. Embrace lives in the real world. Having the insurance isn't cheap but I'll never go without again for my pets.
5

out of 5

POSTED: | BY: Stephen Karlen

Quick To Respond and Pay

This is my first experience with pet insurance. I found Embrace to be quicker and better than my human medical insurance. They acknowledged receipt of my claim within days of my filing it. They also spelled out a timetable for settling the claim. I received reimbursement in less than half the maximum time they had listed in the timetable. My dog had skin problems that required testing and expensive medications.After paying a huge vet bill, my reimbursement from Embrace really helped ease my financial pain. Oh...and my dog has recovered from its illness.
5

out of 5

POSTED: | BY: Nancy Dinsmore

Lightning fast service

Excellent pet insurance. They are extremely fast with processing claims and we receive our checks in a timely manner. I am so thankful to have chosen Embrace Pet Insurance. We will pick them again for our next pet.
5

out of 5

POSTED: | BY: AK

Superb customer service

I have had Embrace insurance for over a year now and must say they are great! The reps are always prompt to respond and very helpful. Will recommend.
4

out of 5

POSTED: | BY: CB

Easy and quick

Embrace is so quick on claim approvals. So helpful every time I call, no automated machines to deal with, just real people who love animals and want to help you.
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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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