Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Kim Geelan

great insurance

In March one of my dog's was diagnosed with Addison's disease and needed 3 days of care between my vet and one overnight stay at an emergency vet clinic. The total costs was $1940.00. I received $1315.00 reimbursement after the remainder of the deductible was met. She will need daily medication and one monthly inj to maintain her health for the rest of her life. The inj cost $153.00/month daily medication $19.50/month. I have received better coverage for vet care through Embrace than VPI.
5

out of 5

POSTED: | BY: Frankie

Very Nice People, Very worth your investment.

We've had the insurance with Embrace for 5 years now and luckily haven't needed it. My beagle had to get his gallbladder removed and it was so stressful. The Embrace people couldn't have been nicer; I've been telling anyone with a pet to get insurance (THIS insurance). Thank you Embrace.
5

out of 5

POSTED: | BY: Holly Merritt

Reimbursement for services

Embrace far exceeded my expectations. My dog was attacked by 2 pit bullsand needed 2 surgeries and numerous vet visits over the span of 2 months. Embrace reimbursed me in an incredible timely manner. I would highly recommend them. You always hope you don't have to submit claims but if you do then Embrace was incredible.
5

out of 5

POSTED: | BY: Mary Dyas

Quick and Easy

The process was quick and easy. I gave my claim forms to my vet who completed the forms and faxed them to Embrace. I received email notification from Embrace that the forms were submitted. After that it only took a week for them to review and accept my claims. Another week later I had my checks in hand!
5

out of 5

POSTED: | BY: Kati Midgley

Invaluable! Amazing company!

My 3 year old pup can not catch a break! Two accidental knee injuries resulting in VERY EXPENSIVE surgeries, two bouts of pancreatitis (caused by post operative medications- we think) resulting in overnight hospitalizations and chronic allergic skin rashes. My poor pup hasn't had an easy run, but Embrace has been there convering her wellness claims AND ALL accident/illness claims! They have been prompt with payments, easy to contact and compassionate about my baby's wellbeing. I am grateful. I recommend Embrace to every pet owner!
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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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