Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Elaine

EXCEEDED ALL EXPEXTATIONS!

We have had insurance on Windi for several years and never had the need to submit a claim. She suddenly became very sick with what turned out to be a severe kidney and auto immune problems. The hospitalization and Vet visits were very expensive. Embrace quickly paid for everything that was covered by my policy and even explained in detail how they paid each claim. (I only wish I had opted for the prescription coverage.) They have now reimbursed several thousand dollars and it looks like Windi is on the road to recovery. I highly recommend Embrace Pet Insurance.
1

out of 5

POSTED: | BY: Suz

Disappointed

Former 15 year VPI user. Vet recommended Embrace and now I wonder why. Embrace has been problematic with wait periods, need for detailed notes. I am paying nearly 400 on routine care to get $400 reimbursement. Just learned that my Golden's spay will not be covered as i have used her wellness money on vaccines. This is NORMAL for the 1st year of a dog's life. Very disappointed in the slow pace of reimbursement, the loopholes, etc. Spaying a dog is medical/surgical and am shocked to be out nearly 1k. Really wish I had put this pup on VPI. What do vets get for recommending Embrace? We're out asap.
5

out of 5

POSTED: | BY: Barbara

Smart Choice for Pet Insurance

If you're going to have pet insurance, you have to make a smart choice and have the right amount of coverage. Embrace has proven it was the best choice for us. Our puppy has had chronic gastro problems since she was adopted so we've had to submit multiple claims. No problems with claims being covered and when they needed more info--they contacted my vet directly. Always give very quick responses. Awesome customer service.
4

out of 5

POSTED: | BY: Lee

GREAT insurance!!

Extremely fast. Pays as promises (for the level you sign up for). Excellent Customer Svc (usually via Internet, although phone works too). I obtained the "optional" "Wellness" Health coverage..it paid for itself. I'll renew
5

out of 5

POSTED: | BY: Kim

Glad I purchased

I just purchased a wellness/sickness policy and less than a month later went to the doctor for a wellness visit. Sending in the insurance form was very easy, the review process was easy with emails giving me updates and once the review was complete I received an email with the positive outcome. Each person I spoke with, when purchasing and then sending in my first claim, was very pleasant and helpful. So glad I purchased this insurance! Thanks. Kim
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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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