Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: LEWIS

Embrace wins the race!

My little yorkie, Maverick, had to go to the vet for a annual check up and get some new tic/heartworm meds. I filed the claim and a couple days letter, the Embrace staff processed it and reimbursed me for the pricey visit. I am really impressed how professional and punctual they were. Highly recommend them to any other pet owners. Bravo to Embrace!
5

out of 5

POSTED: | BY: Nina

Accident Claim

Another excellent experience. Handled promptly with a minimum of paperwork. Embrace continues to be our partner in our shar pei Keaton's health and well-being.
5

out of 5

POSTED: | BY: Regina

Truly Impressed!

I switched to Embrace after 12 frustrating years with another company. About 4 months after enrolling I wound up needing to file claims for all 3 of my animals in the same month. After a few hiccups with the way my vet submitted the claims everything was covered. Each time I called Embracers were pleasant and very helpful. I was also very impressed with the speed of reimbursement.
5

out of 5

POSTED: | BY: RivahDog

Great service

I have three dogs with Embrace, all are registered therapy dogs and two are service dogs. So far, our claims are mostly wellness and I love the fact that I can budget for their health care and preventative care as with three it adds up quickly. Just this year I moved my last dog from another company when Embrace added coverage for old dogs. Hopefully we'll never have to use the accident or illness coverage--but it is worth the money to me to have that kind of peace of mind. We travel a great deal and may have to use a different vet--with different fees, using Embrace makes that easy!
5

out of 5

POSTED: | BY: Marilyn

Quick claim service

I recently submitted a claim for a newly adopted dog. I mistakenly used a claim from from another of my pets. The claim was denied. I didn't realize the mistake and called Embrace to find out what happened. While I was on the phone, the problem was investigated and corrected. They stand out as an example of how pet insurance should work!
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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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