Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: 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.
5

out of 5

POSTED: | BY: Ryan

Best Insurance Company Ever!

I signed up with Embrace 4 months ago after reading the positive reviews. My 11 month old Presa Canario pup was just diagnosed with hip dysplasia and needed TPO surgery which we elected to do right away on the vets advice. Embrace approved our claim which was in excess of $3,000 and were very helpful through the whole process. Thank you Embrace!
5

out of 5

POSTED: | BY: Marley

These guys invented customer service!

We've had Embrace for years, and have never had anything but amazing communication and service at every level. If there was a delay in processing a claim, we were informed that the claim was in process but that things were taking a little longer than expected. In most instances the claim was promptly paid once our deductible was met - IN FULL! Having the peace of mind they give me in case something unforeseen occurs is priceless to me!
5

out of 5

POSTED: | BY: Jennifer Baral

Super fast wellness claim processing

I turned in a 300.00 wellness claim for my 3 year old saint Bernard and and got the refund less than a week later. Awesome company, great customer service. Glad to have the peace of mind by having them.
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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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