Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Susan Cortilet

I <3 My Dogs+Embrace=Peace of Mind

We researched plans and concluded that Embrace was the most affordable, least exploitive and best coverage for our pets. We have a Belgian Malinois and a small rescue. Anyone who loves the Malinois knows that most have a drive as they say, like a "Sheperd on crack". Lola is soon to be 3 and we have definitely had peace of mind knowing she's covered for injuries. Let's just say our vet bills and return from Embrace have exceeded our coverage. Customer service is excellent and refunds are expedient! We learned with our previous Malinois, having no insurance was a mistake. After close to $15,000 vet surgery and bills most of that would have been covered.
5

out of 5

POSTED: | BY: Nancy

Excellent customer service

Vert easy to deal with. Fast processing on claims
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 L

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 Dreebin

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" ?
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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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