Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Ashwini

Hassle free coverage

Our dog had to go through an urgent surgery for toe amputation after his bone rupture. Embrace reimbursemed 80% of the surgery and all bandage change related claims without any hassle.
5

out of 5

POSTED: | BY: Robert speth

Great response to a submitted claim

Bubba was diagnosed with a mast cell tumor this insurance company is always willing to help you file your claim . They also are wick with the pay outs No hassle
5

out of 5

POSTED: | BY: Deb

Great Pet Insurance

Our puppy 7 months old. Vet clinic recommended Embrace. Loved the choices for coverage and the claims are soooo easy to file. Reimbursement check arrives promptly. Great pet insurance.
5

out of 5

POSTED: | BY: Robert Patt

Pays what they promise -- and that's saying a lot

Embrace is not my first experience with dog insurance, but it's the best, I purchased a high deductible plan, figuring that I'd save for ordinary expenses and they might cover the extraordinary. I did this with some skepticism, because with my prior insurer it was pretty much a battle every time. My dog broke a big tooth, requiring a root canal to prevent infection, and I filed a claim. Not only did Embrace pay what they promised, they did so without hassle, argument, and in an efficient and easy process. Moreover since this put us over the high deductible they paid the other qualified claims in this coverage year without complaint or evasion. I don't generally write reviews. However in exploring the other reviews, I see that this hasn't been everyone's experience. I can't speak for others, but in this case Embrace has completely lived up to their agreement, and I appreciate it very much.
5

out of 5

POSTED: | BY: Amber

Great customer service

I called in twice to review coverage and add wellness coverage. Both representatives were extremely helpful and made sure I understood everything. I was then having an issue uploading a claim. I emailed and Jason immediately resolved the matter. I feel my puppy and I are well informed and covered.
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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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