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.
1

out of 5

POSTED: | BY: Heather

Don't Buy the Wellness Package

The Wellness package sounded like a great idea in theory. Toward the end of my calendar year, I had some dollars that I needed to spend on my dog. During a recent checkup, I told my veterinarian that my 1 year old Cane Corso could not use "Greenies" or anything of the sort to help keep her teeth clean and satisfy her need to chew. She recommended that we try an elk antlers for this. It should fall under dental health- but the claim was denied (because they said it's a treat?)!!! Are you kidding?? I spent about $100 on these Elk antlers (for her dental health AND training). Puppies HAVE to chew! That is health related! This Wellness policy is a scam! Save yourself the trouble! I'm spending what I have left and canceling!
5

out of 5

POSTED: | BY: Jennifer

Outstanding customer service

Embrace was one of the insurance companies recommended by our vet, and I'm so glad we chose them to cover our adopted 4-legged son. We had hoped we would only need it for wellness expenses, but Dewey suddenly developed luxating patellas in both rear legs at just over a year old, requiring surgery. So far, Embrace has processed our claims very quickly, and we were informed of our claims' status every step of the way. Also, any time I've contacted them with a question or to get some info, I've been impressed with how friendly and knowledgeable each person I've spoken with has been. Their customer service has been truly outstanding. I feel like they really are there to help!
5

out of 5

POSTED: | BY: Kina

Embrace Pet Insurance=Great communications & service!

Embrace covers my Daisy May and her 2 1/2 year old Akita brother Takoma. I am very happy with the services so far. I give verbal recommendations for Embrace Pet Insurance quite often!
5

out of 5

POSTED: | BY: Dana

Excellent service

Great customer service and claim processing times
5

out of 5

POSTED: | BY: Toni

Awesome

I have two English Bulldogs -- very expensive to maintain, without the Wellness feature of this policy I'd be in real trouble. It helps pay for heartworm meds, nail trims, routine shots, etc. I would not be able to provide the best care for my babies without Embrace.
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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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