Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Susan

Quick and easy

I like using embrace as it is easy to file a claim from anywhere and the service is quick. Usually I have my reimbursement directly to the bank within a week of filing the claim. That reduces the processing time and the transit time. They keep you up to date on the claim status. My only complaint is that for this review they do not list my actual dog breed--Lagotto Romagolo-- as an option so I put her in as a Portuguese Water Dog. Now how minor is that! I insure all three of my dogs thru Embrace and I love that they cover my 13 year old--who is a Portuguese Water Dog.
1

out of 5

POSTED: | BY: Donna

They NEVER reimburse you for anything!!!!!!!!

The worst!! NEVER reimburses you for anything! Always look for negative in your vet bills. I will be checking into others pet insurance.
5

out of 5

POSTED: | BY: Julia

Embrace has been very easy to work with.

Embrace continued to be easy to work with in filing a claim after our pup was stung by a bee. Filing the paperwork was easy and reimbursement was quick.
5

out of 5

POSTED: | BY: Matt

Great Service

I always receive the best service from Embrace concerning my dog's coverage. This is the only coverage I recommend my friends and family for Pet Insurance.
5

out of 5

POSTED: | BY: Mike

Pet insurance definitely saved us when she got sick!

Our poor little Malshi had a tick bite, which became infected. She because quite lethargic, and refused to eat, so off to the vet we went. Not all the symptoms fit with the tick bite, besides normal tests after an infected tick bite, additional tests were necessary, in additional to a one day stay. This all added up to a significant amount! I can truly say that Embrace prevented a budgetary disaster, since we were looking at thousands of dollar in vet bills!!
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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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