Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Andrea

Wellness Plan

Embrace Pet Insurance are so quick and I'm getting paid back what I spent on my big guys gastropexy. The wellness plan is totally worth it. So glad I have the wellness plan plus the insurance all in one bundled.
5

out of 5

POSTED: | BY: Mary

great coverage, great customer servoce

I am so glad that my beloved friend, Lucy, is insured by Embrace. Your service is prompt and fair; your staff are knowledgeable, helpful, and friendly. Thank you.mary for lucy
4

out of 5

POSTED: | BY: Mike

Need to be specific about what happens next

I received a message that my claim "has been covered". Why don't you also add, "A check has been sent to you and should be delivered within 10 business days" ?
5

out of 5

POSTED: | BY: Sheila

Worth every penny

I have had the wellness and accident/injury coverage since my puppy came home. I, thankfully, have not had to use the accident/injury coverage, he's also only 1 year and 9 months old. But wellness coverage is fabulous! Simple form: check wellness visit, vet stamps form, copy of receipt & in the mail it goes or send via email. Quick response from Embrace & I have my calm $$ fast! Very pleased with my plan & coverage!
5

out of 5

POSTED: | BY: Jeremiah

Very impressed!

We obtained our policy just 2 months before a very expensive ACL tear. Even though we'd submitted our Orthopedic Report Card immediately upon policy acquisition to eliminate the waiting period, I was still expecting some push-back from Embrace given how short a period we'd been covered for. I was pleasantly surprised that they honored our claim and reimbursed us promptly for the coverage amount we'd selected and without any hassle. They have definitely renewed my faith in insurance companies : ). I couldn't be more pleased.
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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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