Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,754

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: Tina Brown

Illness Claim paid in just under 3 weeks! Awesome

I've had only wonderful experiences with the Embrace Team while submitting wellness claims and just recently had to take my pup in for emergency surgery! I was so scared! I sent in her illness claim forms and received emails from the Embrace staff periodically throughout the review process updating me on the status of the claim. The claim reimbursement payment was received in less than 3 weeks! Quite impressive, but most impressive is the continued phenomenal customer service I receive from Embrace. Signing up was the best decision I ever made!
5

out of 5

POSTED: | BY: Patricia McBrien

Great response for our new puppy wellness exams!

We have a new teacup chihuahua and we purchased the additional wellness insurance through Embrace. She has only had two exams and vaccination appointments. The first appointment was prior to purchasing the pet insurance. We submitted a claim and invoice for Poquito's second appointment several days ago and we have already been notified that a reimbursement is being deposited to our account. We are very satisfied with the communication, the ease of submitted claims, and the quick reimbursement.
5

out of 5

POSTED: | BY: Janell Rhee

Embrace Coverage is great peace of mind!

I'm thrilled with this coverage and very thankful that I have it. The company is great to deal with, handles claims promptly and is extremely well run/organized. I would definitely recommend their services for all pet owners.
5

out of 5

POSTED: | BY: James Alberino

Gastritis and Enteritis

Very satisfied with this insurance company.
5

out of 5

POSTED: | BY: Meg Hart

Always Responsive

I have been so pleased with Embrace. I imagine them to be a huge company but either they are actually tiny, or just make me feel special. Every claim, question, or request I send to them, they respond to quickly and personably. I had read great reviews about them in doing my research, and now, 3 years into my relationship with them, I found them to be true!
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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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