Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Dave Lohnes

Embrace Pet Insurance is everything that we expected.

We took out the insurance for Kodi knowing that German Shepherds are prone to having hip dysplasia. Little did we know that he would start having seizures when he was about 3 1/2 years old. It has been an up hill battle but with the help of Embrace, we have him stabilized and are able to give him the care that he needs without excessive out of pocket costs. Thanks!!!!!
5

out of 5

POSTED: | BY: Susan

Very reliable

Very good
5

out of 5

POSTED: | BY: Brijit Griffith

EASY, FAST GREAT SERVICE

My dog came down with a horrible case of pneumonia and the bills were scary high. Embrace was quick, efficient and very helpful during this time. I feel so very grateful for them! Thank you!
5

out of 5

POSTED: | BY: Darlene Smyth

Fast response time and pleasant staff

Our dog injured himself requiring several different Veterinarian visits and surgery. Once I understood that each Vet in each office needed a separate claim form, the claims were quickly settled as per the insurance contract. Good service. Then, the dog needed dental work which was part of his Wellness Policy. That check came to use very quickly as well. The office does let you know when claims are received, the status of the claims, and the expected arrival of the cheque.
5

out of 5

POSTED: | BY: Dianne

Very responsive and helpful insurance company, they're the best!

I have had nothing but pleasant experiences with Embrace. My prior insurance company was twice as expensive and getting reimbursed for any claim was nothing but a hassle. I love Embrace's website, it's clear and concise and easy to navigate. Any time I have to call and speak with someone they are more than pleasant and I don't feel like I'm dealing with a big company that doesn't value their insureds. Uploading your claim is easy and reimbursement comes to you very timely. I would recommend this insurance company to anyone.
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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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