Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: lily

Overall a Good Experience

I have had Embrace for our dog for a number of years now. Overall, the process has been good. I feel that submitting the info to them for reimbursement to be a little trying though. If the clinic you have isn't willing to login, print out forms and fill out their brief part, it is impossible. Conversely, if the front desk staff are incompetent, or if their fax doesn't go through despite getting confirmation that it did (they are archaic after all), you have to wait and stay on top of them to get the paperwork into them. Embrace makes it sound easier than it is to be reimbursed. Having said that, once they receive the required info, the process is quick and coverage good. I also wasn't aware (fine print perhaps?) that the price for your pet to be insured goes up A LOT over the years. I found out the hard way. But after much research beforehand, I still think they are one of the very few, good pet insurers around.
5

out of 5

POSTED: | BY: cynthia

great customer service thank you

very happy
5

out of 5

POSTED: | BY: Marilyn

As usual, excellent service-( but wish images on email accepted

As usual excellent service but wish you could still accept email photocopy images to expedite as before...
5

out of 5

POSTED: | BY: Bridget

We truly feel "embraced"

Switching to Embrace Pet Insurance has proved to be the best insurance decision I ever made for my dog. I've tried others but none compare. Embrace delivers courteous, expedient service and a wide range of coverage options.
5

out of 5

POSTED: | BY: France

Best Pet Insurance Ever!

Embrace Pet Insurance is the best pet insurance insurance ever!
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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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