Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Timothy Suba

Thorough, honest, and helpful

We've been with Embrace for about five years now. They have always shown the utmost care and concern, and their process is hassle free. From years in which we don't have any incidents to the ones during which we've had to depend on them, they've been honest, always helpful, and eager to do the work so that we could concentrate on helping our little guy heal. This incident was a laceration to our dog's ear. In their typical no-hassle fashion, Embrace responded to our vet's fax quickly and everything was explained to us promptly. I've come to expect the warm follow-up emails they send to inquire about
5

out of 5

POSTED: | BY: Julie Wensel

The best animal insurance!

Embrace is great! Getting animal insurance with them was the best decision we made! They pay our wellness check up, hastle free. Our dog had to have surgery for her broken leg and they cover 80% of the total, they also sent us the claim check surprisingly quick. If it wasn't for Embrace we wouldn't be able to pay for everything. I definitely recomend them! The only detail that you have to keep in mind is that you have to be organized and send your claims. Other then that, they are quick and reinburse you for the right amount!
5

out of 5

POSTED: | BY: Sharon Creel

Great

Very happy with Embrace! Great service and timely reimbursement. So happy we found you!!
5

out of 5

POSTED: | BY: Katie F.

Great service

Embrace has an amazing turnaround time for refunding your claims. Whether it is accident/illness or wellness, they are quick to get your check in the mail. My dogs are elderly and one was recently diagnosed with a chronic illness. Although Teddy was denied coverage at first for his Cushings Disease, he has since been reinstated after a short appeal process and a letter from his vet.
5

out of 5

POSTED: | BY: Brittany

Quick, friendly, awesome service

We got insurance after moving to the east coast and before we got set up with a new vet with new sets of shots etc, we decided it would be best (and made the most sense) to get pet insurance with Embrace. I would definitely recommend purchasing the wellness plan--it has paid off for us and we plan on using it when our dog gets spayed. Awesome and speedy customer service and filling out and sending in a claim is so easy and painless-the vet office can even handle filling it out and faxing it for you.
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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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