Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Gene Treat

Extremely pleased with Embrace's quick response!

My wife and I are so very pleased with this company! We purchased the insurance plan, including the wellness plan, for our Miniature Schnauzer, and took him into the vet to be neutered the very next day. Within two days of submitting the claim, we received a response, and within five days, we were notified our reimbursement check was on the way. We would highly recommend this insurance plan to everyone!!
4

out of 5

POSTED: | BY: Mandi

Not perfect, but the best you're gonna get

The deductible is unfortunate; however, it does make the pain a little less painful when your wallet empties for your cat. At least it gives you the hope to know you CAN swing it financially and give your pet the chance he or she wouldn't have gotten without the cushion of insurance.
5

out of 5

POSTED: | BY: Maureen

Wellness

Although this was just a wellness (heartworm pills etc) and not an illness, I was impressed with the quick turn around on receiving the check.
5

out of 5

POSTED: | BY: Sarah Vega

Smooth and thoughtful service

I am in love with this company! Recently started with pet insurance for the first time. Embracers explained all details and answered all my questions. They have notified me when I submit a claim and reimbursement has been super speedy! I even got an email checking on my girl after her spay surgery and to let me know they were already at work on her paperwork! Awesome! Caring! Love you embracers!
5

out of 5

POSTED: | BY: Henrik Kuhl

Met all expectations

Embrace has lived up to all expectations. In recent months, I have dealt with a persistent ear infection in my dog, which has required multiple vet visits. The claim and reimbursement process has been incredibly quick and easy and all of the reimbursements have been as expected.
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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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