Embrace | Pet Insurance Review

4.4

out of 5

Number of reviews 19,876

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

Very prompt and fast and emailed info quickly

Embrace is does not dilly dally on your claims, sent in claim on Friday 3/30/18 morning got an answer by 5pm for reimbursement with in 2 days. I like that they pay attention to your emails or claims fast...GREAT JOB!
5

out of 5

POSTED: | BY: Naomi

Surprised outcome

Never thought about health insurance for a dog but then I never had a dog before either. My sister told me about it and I did my research and here we are. I think it is great. Not a lot of paperwork to file your claim and you can check your status step by step online. That is great and if you are missing something they let you know quickly so they can close out the claim. I am totally impressed. And the vet clinics give you no hassle when they need to fill out the form. Great insurance
5

out of 5

POSTED: | BY: Paul

Awesome Customer Service

Our six-year old Tibetan Terrier was attacked by coyotes and suffered numerous puncture wounds, scrapes and cuts, particularly around his throat and lower abdomen. One of the vets who stitched him up said that he had never seen an animal with more wounds. The repairs and care were really good but expensive. Embrace promptly reviewed our claim and approved it. The turnaround time was less than two days. Outstanding service that is much appreciated. Thank you!
5

out of 5

POSTED: | BY: Shelly

Thank goodness for Embrace

I have had Embrace Pet Insurance for my boy for the past 6 years. At one point I considered dropping the insurance because I was paying the premium but never used it. Well, let me just say I am so very thankful I didn't. Last year my boy became very sick and Embrace was with us 110%. They quickly provided pre-approval for costly testing, covered his expenses, and stayed in contact with me to see how he was doing. No better pet insurance out there!
5

out of 5

POSTED: | BY: Encarnacion

Amazing!

I really only have one word: Superior! Embrace has really saved my dog’s life. Knowing that he is covered brings us a peace of mind that one cannot put a price on. Thank you, Embrace, for being there for our 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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