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: Marvin

Wonderful

I got a new puppy recently and looked for an insurance for her. I took embrace and since I'm with them they are always kind and ask about my puppy. Really, this is the best choice that I ever made.Thanks embrace.
5

out of 5

POSTED: | BY: Nancy Nichols

Great Customer Service

A claim was overlooked, and deemed as not payable. I called to have this adjusted, and it was taken care of the same day with a refund on the way.
5

out of 5

POSTED: | BY: Linda D.

BEST Plans Offered

I am amazed at how quickly I receive funds into my bank. Your wellness plan encourages me to follow the vet needs of my pet...and still I have insurance for their safety needs. Way better than any other plan I have tried in the past. Thank you for the options and savings offered!
5

out of 5

POSTED: | BY: Kim R

great turnaround time

I have never filed a claim for my pet before and my first experience was a good one for sure. the wellness claim for is simple to complete and the turn around time on the claim review is terrific. I work for an insurance company and although I do not work in claims I would rate the response time as excellent.
5

out of 5

POSTED: | BY: Betty

Best Decision I Ever Made!

I have a dachshund and I got Embrace pet insurance because they cover "breed specifice" illnesses. Dachshunds are very prone to back issues (IVDD) and I wanted to make sur that the pet insurance I bought would cover back surgery since it is very costly. I decided to get covered after hearing my neighbor's story with her dachshund in February 2015. Luck would have it that MY dachshund ended up having three slipped discs because of IVDD in April 2015 and needed back surgery. The surgery cost me $6,000 but Embrace covered 80% of it. I was extremely afraid that Embrace would reject my claim for some ridiculuous reason, but they did not! They honored the claim and processed it within a week. Excellent company and worth the money to buy the 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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