Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Dwayne

Never had an issue with my little Lady

Our dog was diagnosed with DM (degenerative myelopathy). My wife and I submitted multiple claims for her from the standard checkup all the way up to having an MRI done on her. The staff was nothing more than professional and when that fateful day finally came around the card, sent to us which was signed by the persons that had processed her previous claims, made us feel that we made the right choice in choosing Embrace for our little girl.
5

out of 5

POSTED: | BY: Melissa

Wellness plan

I am very happy with the service I have received by this company to date. Wellness claims processing is very quick and I am grateful there is a orthopedic waiting period waiver for TX residences. I have two dogs and both have insurance with the wellness plans, I view the wellness part like a Health Savings Account that many employers offer to help employees establish funds for many wellness items that can be pretty expensive; kind of a 0% financing on stuff your pet needs. As a retired military member, we get a discount and a multiple pets discounts that helps with the monthly premium. Also, the other awesome other part is what I would call the disapearing deductible and the freedom to determine the coverage that will fit your budget. Melissa from San Antonio TX
5

out of 5

POSTED: | BY: Karen

Always a pleasure!

I have had pet insurance with Embrace for one year. I have been impressed with the rapid response to my questions and to claims submitted. I highly recommend Embrace to others! And my vet uses Embrace!
5

out of 5

POSTED: | BY: Melissa

Quick and friendly service!

My sweet English bulldog puppy had to have emergency surgery over the weekend. I submitted several claims to embrace which were handled very quickly. I am very grateful for what they reimbursed! Very kind customer service representatives!
5

out of 5

POSTED: | BY: Todd

I strongly recommend Embrace to all of my friends and Family!

I have had a wonderful experience with Embrace over the years. They have always paid any claims quickly, usually within just a few days. I simply fax the claim in (my perefernce) and they begin the process and notify me every step of the way by email. It couldn't be easier. Any chance I get I recommend this company to my firends and family.
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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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