Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,397

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: nicole dorr

quick and efficient

first time having pet insurance but we got a newfoundland puppy and figured we better get some insurance. Have submitted two claims on her wellness benefits and the people at Embrace were very quick in letting me know they received the claim and then very good about letting me know when the money would be in my account. So far very happy with our choice of insurance for our puppy.
5

out of 5

POSTED: | BY: Jenna

Great Insurance!!!!

Great insurance! My puppy ate a chicken bone and had an emergency surgery costing over $3000. Embrace's claim process was quick and easy. I received a check for 80% of my claim within 30 days.
5

out of 5

POSTED: | BY: Randy B

If only my health insurance was as easy and good

I think human health insurance companies should follow the Embrace approach with regard to customer service and delivery of benefits...
5

out of 5

POSTED: | BY: Donn LiPera

Wow....Color Me Impressed!

We have been with Embrace for just over a year and before the first year was up submitted a claim for over $4000. Our calico Carly decided to swallow over 2 feet of ribbon, which promptly obstructed her small intestines and required surgery. Embrace took a little longer to reimburse us, but kept us informed all through the process about delays due to high claim submissions. They never once questioned our claim documentation, have the nicest people and the best customer service I have ever experienced. We were reimbursed the full 80%($4385.00). Thanks Embrace you have customers for life.
5

out of 5

POSTED: | BY: Jane Begin

Helpful claim reps

We have had 3 claims with Embrace for our 4 year old Viki. I have always found the reps to be considerate of the pet and efficient in getting the refund to us. They keep us well informed and are ready to answer any questions we have. Embrace came highly recommended to me by my vet!
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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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