Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Natalie

Very Pleased with Embrace

I have been using Embrace for my two dogs since 2013. I have been very satisfied with the personnel staff, the prompt review of claims and the company's ability to work with me to cover vet expenses. I also like the ease of their paperwork, which comes as pdfs and coded individually for each pet. When I need to speak with someone directly, their staff is very knowledgeable and patient.Embrace's Wellness program and Healthy Pet deductible is a great perk.
5

out of 5

POSTED: | BY: Debra

we are so glad we had Embrace for our dog.

Our one year old dog, Georgia, was diagnosed with patellar luxation. The condition turned out to not be acute but chronic. She required surgery after things quickly progressed to dislocating several times per day despite rest and meds. Embrace gave us no grief whatsoever. The response to the claims was very quick and they paid what they said they would. We are so happy as this covered $2000 of treatment
5

out of 5

POSTED: | BY: Leslie

Thanks to my vet for recommending you!

On my initial visit with my puppy Maverick I discussed pet insurance with my vet who recommended Embrace. I signed up for the free trial period. Days later Maverick had some breathing issues which required x-rays, meds, etc. The office submitted claim forms and right away I received emails that the claims were being processed. I have since received reimbursement. Needless to say when the trial period ended I signed up for coverage.
5

out of 5

POSTED: | BY: Mike

Great, fast and thoughtful!

We have three labs, 12, 11 and 3 years old - and there's always something going on. Embrace has been terrific and responsive, with complete follow up on our claims. Highly recommend this service!
5

out of 5

POSTED: | BY: Candace

Great Service!!

All of my claims have been handle quickly and correctly. If only people insurance could be this effective!
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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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