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: Joe LaMonica

Very dependable

We've had Embrace since we adopted our dog in 2007. While he had very few problems when he was young, there was an occasional injury or illness. Embrace was always very prompt to review our claims. He's now 10 years old and the health problems are more frequent. Embrace continues to be very dependable when reviewing our claims. They are also very prompt in submitting payments when approved.
4

out of 5

POSTED: | BY: Alice

Great pet insurance

Luckily I haven't had any catastrophic events with my dog but I want to share how value-added Embrace is. The insurance is reasonable and helps to offset blood work, etc. In addition the Wellness coverage pays for itself in preventive meds alone (Heartgard, Frontline), even training.The customer service is prompt and friendly.
5

out of 5

POSTED: | BY: Joseph Turner

Claim resolution

Representative Joey was very helpful at addressing my claim resolve going the extra mile, all by evening of the same day. He is truly an asset to your company.
4

out of 5

POSTED: | BY: Elizabeth Eilender

Prompt claims review

The claims process was simple and they processed the claim promptly. One of the claims was covered, one was not but the entire process was swift and relatively painless.
5

out of 5

POSTED: | BY: Nancy Laffer

Very happy with Embrace

Nicky has some health problems; one in particular we are still trying to clear up. Embrace has been very fair and helps to take away the pressure of my ill dog who is like my third child. Costs are high and they help to pay for these expenses. I would highly recommend Embrace for anyone's pet health insurance.
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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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