Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,461

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.
4

out of 5

POSTED: | BY: Amy Black

Very reasonable folks

This was my first time submitting a claim to Embrace and we started out with a little bump. There was a misunderstanding that required me asking to communicate with management. I'm happy to say that the manager I dealt with was very reasonable and was willing to see my perspective. She worked with me to process my claim. End of story - I'm a happy customer!
5

out of 5

POSTED: | BY: Kasia McCormick

Efficient, friendly and reliable

Just got my puppy covered in January and submitted two claims this month. Process was simple and easy and customer service was great. When they couldn't read a fax I sent, they just contacted my vets directly. It was super easy for me and I am so glad I chose them after TONS of research! They also let me know step-by-step how much I have left of my deductible. So easy and efficient.
5

out of 5

POSTED: | BY: Mary

Bailey's Best Friends

Bailey has had some healh issues in her 3 1/2 years but all the wonderful Embracers have been there every time we needed them. We appreciate everything from the emails checking on how she is doing to the fast turnaround of claims. Embrace Pet Insurance has by far been well worth the investment for both Bailey and me. She has received all the necessary medical attention she has needed. Bailey and I say Thanks Embracers! We appreciate you.
5

out of 5

POSTED: | BY: Julia

Love it!

I've never had a problem with Embrace. All the forms are easy to fill out and they are always very quick whenever I have a claim. Definitely a great thing to have!
5

out of 5

POSTED: | BY: Sheryl Widberg

Quick, fast and easy

Ted had his yearly shots and toe nails clipped. Submitted the receipt to Embrace. Got confirmation immediately that it was being processed and got the check the next week!
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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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