Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Neketa Kakar

Best pet insurance!Wish I had more pets to sign up

After thoroughly researching all the pet insurance companies out there I'm glad I settled with Embrace. My dog had exploratory surgery a few months ago that cost me $3700. Not only was I reimbursed a good amount of that bill($2800) but they even emailed me weeks after his surgery to see how he was doing. This is good insurance that will save you money, and a company that has great customer service. I love that once you submit a claim, you get emails periodically letting you know they are working on it, or if its next in line. Please do your pets a favor and get them Embrace!
5

out of 5

POSTED: | BY: Kelly

Just what they say

I'm happy w/ this insurance for our new puppy. The claim forms are short and simple- checks in the mail soon after. Thanks!
5

out of 5

POSTED: | BY: Nicki Goldstein

Best pet insurance

I had different pet insurance prior to joining embrace about 3 years ago. The other insurance barely covered any claims. Once you meet your deductible, embrace covers 80% of the bills. The people are friendly and get back to you in a timely manner. Even though they have never met my dogs not myself, I feel like they truly know us whenever I email or call! I highly reccommend Embrace!
5

out of 5

POSTED: | BY: Mabel Lin

Great Insurance Carrier

My husband and I had our doubts about Embrace, as we did with any other insurance carrier and the insurance industry in general. However, Embrace came through on our claim and made everything so easy! Our 4 1/2 year old Boston Terrier had to have surgery for her brachycephalic-related issues. Our claim form was faxed in and within the next few days we received an email acknowledging receipt and that our claim would be processed within approximately 20 days. We received another email just to let us know the claim was still in queue, and then a final email within the 20 days saying it was processed and that a refund check was already on its way. Coverage aside, the customer service at Embrace is wonderful. Prompt, friendly responses and updates. It's like Amazon or Zappos, but for pets :) We love Embrace and have our other Boston covered under them.
5

out of 5

POSTED: | BY: Carole Remy

Did what it was supposed to

The $400 wellness covered the wellness policy for the year. I have already submitted previous claims so I got my $$$ worth.
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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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