Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,434

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: Paul Rilla

Once again - exceptional service

I've had the wellness policy for nearly a year, now and I must say that every claim we have submitted has been reimbursed promptly, with great customer service and courteous follow-up. A really first class operation! Highly recommended!!! Paul R. & Trudy
5

out of 5

POSTED: | BY: Rob Roof

Yeah - It Works!!!

We are first timers for Pet Insurance and Dexter our new puppy had his first exam and the entire bill was covered under his Wellness option - thank you Embrace!
5

out of 5

POSTED: | BY: Laurie A.

First Experience With Pet Insurance is Excellent

We purchased pet insurance for our most recent canine addition to our family. Cody came to us at 11 months old without any apparent health problems, and considering the amount we'd spent on our other pets, it seemed a good idea to get an insurance policy for him. It has been extremely helpful already. The ability to add the wellness benefits to our plan has already given us a large return on the costs of flea/tick medicine and other items. Cody developed an eye and ear issue recently, and both are covered, helping us out a lot with our expenses. The Embrace staff is very quick to contact us, communicates clearly and compassionately, and is always eager to do all they can to make our experience easy and beneficial. One staff member even asked to see a photo of Cody for her personal enjoyment. Obviously, the staff members like what they do and it shows. I only wish dealing with human health insurance companies was this pleasant!
5

out of 5

POSTED: | BY: Lindy

Fantastic service

I have received such great service from Embrace. They contact me soon after submitting my claim to let me know it's being processed. They have reimbursed every penny I expected to get back and they do it very quickly. I work for an animal hospital and have seen our clients have bad experiences with some of the other pet insurance companies. Embrace has been fantastic to work with.
5

out of 5

POSTED: | BY: Kailee

Fast turnaround

I filed my claim and in a week had a check in the mail. Insurance is great! Great customer service and always keep you informed. Highly recommanded!
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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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