Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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.
4

out of 5

POSTED: | BY: Susan Craig

My biggest claim so far

I've had this insurance for almost 3 years and have sent in minor claim-never meeting my deductible. Recently, I had a more sizable claim and it took a long time to process. I was getting nervous. However, they did keep in communication with me. They apologized about the delays and assured me they would get to my claim, which they did. I am a satisfied customer.
5

out of 5

POSTED: | BY: Devon

Very smooth and reassuring

This was my first claim with Embrace and I was very happy about how many emails I received keeping me up to date on the status of my claim and how fast everything was processed. Very easy procedure and very friendly and responsive customer service!
5

out of 5

POSTED: | BY: Gwyn Baumgartner

Peke Insurance

I am not one for Pet "aka Kid" insurance. My vet recommended Embrace...and he was right. The insurance is wonderful. Yes...it is expensive...but I would not want anything less. Just look at stats. How can a $10/mo insurance meet needs of a sick pet? Look at BC/BS. What are we paying for our health insurance????? Are our pups or pusskins any different??????? I don't think so. I would be more than willing to discuss with anyone insurance. I do not work for Embrace..I am a skeptical person.So thank you Embrace...Gwyn
5

out of 5

POSTED: | BY: Robin

10/10 Selecting Embrace was the best decision!

Before my berner even came home my friend told me to get pet insurance. I researched all of the companies out there and i felt Embrace was the best for my family and soon to be puppy. Well thank God because at 4 months she broke her toe, and 6 months after that we found out she had inner ear disease and 6 months after that she had severe gastritis/vomiting. All of which totalled over $1000.00 when all was said and done. Each time I just submitted my bills to Embrace and within 3 weeks i had the reimbursement check in my hand. They are very good at keeping in contact with you that they are working on the claim and when they will be sending your check out. I am very satisfied with the service and thankful that i have the coverage because I love my berner!Thank You Embrace!
5

out of 5

POSTED: | BY: Craig Thorsen

Embrace for wellness and Injury is a "Must Have"

We were told it was important to get pet insurance for wellness and injury for our nine week old Bernese Mt Dog puppy. We thought Wellness, yes, but injury? We could prevent any injuries to our puppy with constant vigilance and hovering. Wrong. We are very happy we went with Embrace. They have come through every time we have needed them. A good investment!
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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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