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: Kathleen Cully

Thank goodness I decided to choose Embrace

Our Boston Terrier began to suffer from significant pain while walking, sitting and beginning to cry while sleeping with constant shifting. With the confidence of having Embrace insurance, we were able to have the necessary diagnostic procedures done to learn that she has several severely herniated discs that almost completely impinge her spinal cord. With Embrace coverage, she is having laser therapy to reduce the inflamation and pain while we prepare and plan for the invitable spine surgery. I made the best decision ever when I choose Embrace insurance 4 years ago when I adopted her ! I shudder to think how I ever could have provided the necessary diagnostic and medical treatment needed to bring her back to her good quality of life. My husband is finally convinced that it was one of the smartest things I did over the 36 years that we have had dogs; we only wish that I had had it earlier for my previous wonderful dogs.
5

out of 5

POSTED: | BY: Xue leng

Great service, fast payment for claim

Been with you all for three years never have problem with cliam. Every claims were paired out very fast within a week for most part.
5

out of 5

POSTED: | BY: ellen mendicino

best pet insurance

I have tried other pet insurance in the past and I just wasn't satisfied with them. I found Embrace and have been so happy That we did. We found an insurance that really does do what they advertise. I have had no problems with and of my claims. They answer all my questions when I call too. I have a Great Pyrenees and he gets a lot of different things but they have been great with all my claims. I'm happy to be a member of Embrace for my pet.
5

out of 5

POSTED: | BY: Linda Fellows

First Claim Submission

This is the first time I have had Pet Insurance so I didn't know what to expect. I submitted a claim for an office visit, x-rays and meds for my puppy after she started limping. The claim was handled professionally and quickly. The Embrace staff kept me advised by e-mail regularly on the status of the claim. When I submitted additional information for consideration, the claim was finalized within 24 hours! That's quicker than MY health insurance provider. Overall, an excellent experience! Thank you!!!
5

out of 5

POSTED: | BY: Julie Punchard

prompt claim payment

Submitted Wellness claims. Handled promptly and as expected per policy. Very pleased and staff is super responsive.
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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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