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: Kathryn

Awesome Pet Insurance

I have had different insurance for my dog before, and it not only didn't cover anything, but it was a hassle to submit a claim and talk to someone. I recently switched to Embrace, and it has been the easiest process ever. I just got a $400 reimbursement check for my pet, and I received it within a week of the vet submitting the claim. I will definitely be sticking with Embrace!
5

out of 5

POSTED: | BY: shari

Professional and Easy

The vet staff actually completed their portion of the claim form incorrectly. I realized this, and sent an email to Embrace. The next day I was emailed back, my claim was approved, and shortly afterwards I received a check in the mail. We are so happy we have pet insurance for our three dogs. We rescued a greyhound this year, and she had taken full use of it! We would be lost without this coverage.
5

out of 5

POSTED: | BY: Jerry Newsom

WELLNESS CLAIM HANDLED PROMPTLY

I received my claim payments promptly and am very happy with Embrace!!
5

out of 5

POSTED: | BY: Hilary R

Great insurance coverage - no questions asked!

We have had Embrace insurance on our Boxer since he was 6 weeks old. We have never had any issues with them paying the claims and they do so as outlined in the policy. We continue to use and recommend them to all of ours friends. Their coverage cannot be beat - they do not have any exceptions to coverage for breed-specific disorders which is the biggest reason we went with them. If they are running behind w/ claims processing, they let you know. If they are taking exceptionally long, one phone call will have the claim resolved within 24hours. A+!!
5

out of 5

POSTED: | BY: Maritza Rosario

The Best Insurance for Pets

My experience with Embrace has only been positive. Always when I have submitted any claim toward deductible or the Wellness Rewards Program, have all be handled efficiently. There is always someone from Embrace keeping me informed of my claim status (from the day they received it until they send the check). And the best of all, you always talk w2ith real people, not impersonal and colds machines. I love Embrace and always recommend it to my friends and everybody who has pets.
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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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