Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,650

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: Sam

Best Pet Insurance Company Around

We have had embrace for almost a year and within this year our puppy has gotten sick and even been hospitalized for ingesting a toxin. Embrace has been prompt with every single claim and keeps us informed and never hesitates to answer our questions. Human health insurance companies could truly learn something from Embrace.
5

out of 5

POSTED: | BY: Patricia Flynn

Fabulous Service!!!

My pet cat Squiggy was run over by a car & sustained major Neurological damage plus multible breaks in his back and legs, after a long 2 month stay in hospital & several pins , he is now walking & functions are returning to him. I was so glad after reading up on several Ins. Companies that I chose Pet Embrace because everyone I dealt with were wonderfully compassionate & helpful. My bills were substantial of which Embrace paid $10,000 with-in two weeks after receiving the information required. If anyone decides to get ins. for your pet I highly recommend Pet Embrace. Thank You for everything.
5

out of 5

POSTED: | BY: Kristen

Amazing service!!!

Embrace has been absolutely wonderful to work with. The wellness plan claims have been processed almost immediately, I definitely did not expect such a fast turn around.Our puppy is somewhat of an "unlucky" puppy. It doesn't seem to matter what kind of precautions we take, he always manages to have something wrong with him. Embrace has handled every claim quickly and efficiently. They always ask how our baby is and make sure that all my questions and concerns are answered. My only advice is to read their website in its entirety (just as you should ANY insurance company, for yourself or your pet). They tell you that they need your pet's health records and what isn't covered. If you have questions before you sign up, ask them! They are very friendly and helpful. They helped me customize my own plan for my puppy. I have not one bad thing to say about them.
5

out of 5

POSTED: | BY: Garrett Dimon

Incredible service!

With most insurance companies of any kind, processing claims is inconvenient at best, but with Embrace, it was not only painless, but an all around pleasant experience. They were helpful, responsive, and really proactive about following up with me to help make sure the claim was processed as quickly as possible. There's no doubt in my mind that I'd use and recommend Embrace to anyone in the market for pet insurance.
5

out of 5

POSTED: | BY: Carrie

High recommend this company!

Embrace covered an injury that most other pet insurance companies deem "genetic" (even though my dog's injury was caused by an isolated accident) I was given frequent email updates by the company letting me know the status of my claim and it was processed fairly quickly. Thank you, Embrace!

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 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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