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: Connie Aaronson

Efficient

Sadie our 3 yr old poodle was having breathing/wheezing/choking issues. Our vet wanted her seen by a cardiologist slight irregular heartbeat. After a complete cardio evaluation all heart issues were ruled out.Embrace completed the claim without issue
5

out of 5

POSTED: | BY: Diana

Surprisingly Great!

I am fairly new to Embrace, but have had to submit 3 claims regarding my three cats in just the first few months. I am SHOCKED at how wonderful Embrace has been. Their well-care is comprehensive, their coverage amounts are fair, and their service is prompt. You also get almost immediate response from emailing Customer Service. I will human insurance was so good! I have to continue coverage of my dog with another insurance carrier because of a pre-existing condition. But, I have to tell you, the difference between the two pet insurances companies is "night and day".
4

out of 5

POSTED: | BY: Diane Ronsicki

Impressed by courteous service

I have only had my pet enrolled in Embrace for a few mos. but, so far, I have been very impressed by the Embrace staff. When I called for info, the rep was very helpful & courteous. Since I enrolled & submitted 2 claims, the staff has been extremely considerate by keeping me updated via e-mail as to everything they had received from my vet's office & letting me know what I could expect & when as far as reimbursement. They were also very quick to process my claims & make payment accordingly.
5

out of 5

POSTED: | BY: Anna M.

Microchip claims paid as wellness rewards benefit

I wasn't sure if the microchips my two cats received would be paid by Embrace Pet Insurance (I obviously didn't read through the coverage information), and was delighted that they were both covered! My cats received great care from my veterinarian and then I was rewarded by Embrace Pet Insurance for taking good care of my cats' health and well-being in the unlikely event that my cats would run out of the house and get lost. Thanks Embrace Pet Insurance!!!
5

out of 5

POSTED: | BY: Al Curras

Great service

It has been great dealing with Embrace. They took the initiative to get additional information from myself and the veterinarian to resolve the claim. Result was fair and pretty quick. I would recommend Embrace to all pet owners.
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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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