Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,910

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: Amy

Great wellness options & easy claim process

I reviewed many pet insurance carriers and options prior to selecting Embrace. They have a wonderful web site which allows you to select the coverage levels, deductibles, coinsurance levels and options that best fit your situation for both accident/illness insurance and wellness coverage. Claim process is easy and company provides good customer service. They even provide you with an easy customized claim just for your pet after you enroll.
5

out of 5

POSTED: | BY: Rich

Fast Tesponse

Very fast response. No hassle. Well worth the investment.
5

out of 5

POSTED: | BY: Bob

Claims

Put in my 1st claim. Easy to submit. Quick to respond. Positive response. What more could you ask for. I've had dogs all my life. Never had pet insurance before. Did a lot of research before deciding on Embrace. Glad I did.
5

out of 5

POSTED: | BY: Gay

Great company; great coverage!

I have written many other reviews so will just now say that we are grateful everyday that there is a great insurance option like Embrace for our dogs.We got insurance for our 4 almost 3 years ago and Embrace has been with us through so many medical situations including 3 cancer surgeries. They cover exactly what they say they will. They have (as promised) allowed us to decide what specialist we feel good about using (Board Certified surgeon, oncologist and internist) and what procedures, in conjunction with the vets, will help our dogs have the best possible outcome. The customer service team is AWESOME. Pleasant, friendly and very good at what they do. You can choose a higher deductible to make the monthly premium more affordable. Vet bills can be HUGE and a $1,000 deductible to go on say a credit card if needed so you can save your beloved family member is an easy choice. Direct deposit reimbursement just another great option. Just a great company.
5

out of 5

POSTED: | BY: Mary

Great service always

I have found Embrace to always process claims accurately and quickly. This is a top-notch insurance company
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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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