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: Timothy Post

The best pet insurance

I have had pet insurance with two different companies prior to Embrace. Even though it's a bit more expensive, it's well worth it and is better than the previous companies. The claims are processed quickly and reimbursement is also made promptly. I especially like the personalized and friendly responses from representatives, and the frequent updates on claim status.
5

out of 5

POSTED: | BY: Sharon Hanson

Excellent coverage & quick payment

Excellent coverage & quick payment. My dog swallowed a syringe needle & I had to take him to emergency hospital. It is a relief to know my claim was processed quickly. Embrace is amazing. Unbelievable to have the costs reimbursed back into my account within a week!!!
2

out of 5

POSTED: | BY: Kathleen

So far not happy with claim service

I filed my first claim due to my three year old Pug first ear infection. It took over a month for them to apply my claim to my deductible and this is after I had to call them numerous times. At this point not sure if I picked the right pet insurance to work with, I guess we will have to wait and see if this was just a bad month for them or if I get the run around again in the future.
5

out of 5

POSTED: | BY: Jeffrey &

Ella's Bilateral Shoulder Surgery

Rapid Pre-certification Process.Comprehensive Coverage. Care and concern and follow up were very good. Post surgery quick approval process. Streamlined paperwork.
5

out of 5

POSTED: | BY: Kathryn

Amazing Service

This is my second claim from Embrace. The service is fast and reliable and the explanation of benefits is easy to read. I told my vet that they should recommend Embrace and I recommend it to everyone I know who has or is thinking about getting a pet!
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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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