Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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: Effie Spentzos

Embrace has been easy to deal with.

Embrace has been very efficient and reliable in processing claims submitted. They have adhered to the terms of the policy which have been clear and explained at the beginning. The claims have been easy to submit and there has been good follow through. I have been very impressed.
5

out of 5

POSTED: | BY: Greg

Very pleased

We have been with another insurance company for a long time, and had always had trouble with reimbursement. We signed up for Embrace with our new puppy. Our puppy had arthroscopic surgery recently. Our claim was processed quickly, and we received a check shortly after. Highly recommend Embrace to all pet owners. Very pleased!!!
5

out of 5

POSTED: | BY: Patricia Reid

Great claim updates

I love the fact that as soon as I take Duke in to the vet, the very next day I get an email telling me that the claim was received and is being reviewed. I like the fact that I never need to follow up with you guys. You do it for me. Thank you, Patricia Reid
5

out of 5

POSTED: | BY: Linda Khalil

Professional and fast

This is my first experience with pet insurance and Embrace has lived up to it's reputation. Claims are handled quickly,explanations of how benefits are calculated are clear and concise and their customer relations are excellent. The kept me up to date on all phases of claim status-receipt, processing and settlement. I wish my "people" insurance was as easy.
5

out of 5

POSTED: | BY: Lonnetta

Fantastic company - seamless reimbursements

I have nothing but great things to say about this insurance company. My French bulldog had a herniated disc and I was extremely upset because her hind legs were paralyzed. My boss asked me what insurance company I use cause he needs insurance for his two dogs. He asked if they were any good? I said we will see on how long it will take to get my claim paid. It took less than 10 working days..unbelievable. I am telling all my pet owner friends to get this insurance. I am very thankful for their kind approach when speaking with them on the phone as well.. I give them an A+++
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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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