Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Brice

Saved my Dog

I have only had embrace for about 2 years and my poodle had a sudden issue with his back where he became paralized. The surgery was much too expensive to pay out of pocket. Embrace covered nearly the entire bill and our pup is well again. We wouldn't have been able to do it without insurance.
5

out of 5

POSTED: | BY: Richard

Great insurance coverage.

Sadie had an ACL operation which was very expensive and embrace paid 80%. They have also paid for pain medicine after the operation.
5

out of 5

POSTED: | BY: Cathy

We love embrace!!

When our puppy was first born I spent a couple of months searching different insurance plans and embrace was the best out of all of them. Other companies have max per lifetime where is Embrace has unlimited lifetime benefits. Also Embrace was the only one I could find that offered not only accident and injury but wellness as well. Every time I have sent in a claim whether it was wellness or illness I have received my reimbursement within less than a week. When I call in for support there is no automated junk to sort through it sends me directly to a live person who is very knowledgeable and answers all of my questions. We wouldn't have been able to get any of our puppy's vaccines, heart worm pills or flea/tick collar if it weren't for the wonderful wellness program. The monthly premium is the best price for the most coverage I found and trust me I did extensive searching before deciding on embrace? I'm glad I did.
5

out of 5

POSTED: | BY: Helen

Great service & communication

Great communication & service from Embrace, I wish my human health insurance was this simple! I had a claim that was questioned and everyone communicated well and our claim was covered!
5

out of 5

POSTED: | BY: Dianne

Easy claims process

My experience with Embrace was positive. I like their online account information where you can view claim status. My vet filled out the necessary paperwork and faxed the claims. I received a claim response within a couple of days. I had to follow up with my vet to ensure they sent health history and I was issued a paper check by mail. Direct deposit is available if you set it up. I called customer service to request claim forms and they immediately emailed them. I would highly recommend Embrace Pet insurance for peace of mind.
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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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