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: Rhonda

Can't beat the Wellness buck!

I take my 2 dogs to the vet each year. The Wellness bucks really help take the sting out of the bill. My claim is handled so fast. Check is here before I know it. And, the best part is knowing that if one of my babies gets ill, they have pet insurance to cover their illness. I take a higher deduct and higher coinsurance so my premium is really quite low for the insurance with all the discounts. I've only used Wellness Bucks and hope that's all I ever need.
5

out of 5

POSTED: | BY: joe

Embrace Number 1

Knock on wood, I only have had to use the wellness part of my plan. Both times the response has been quick in dealing with my claims. Checks arrive when you said they would,that means a lot. Someone is always hearing about Embrace through word of mouth. Keep up the good work and hopefully you don`t here from me for another year!!. Thank You.
5

out of 5

POSTED: | BY: Rae

embrace vs. vpi

I have VPI on one dog and Embrace for the other. Embrace pays at least 3x faster.I am very happy with the attention my claims have received and feel my reimburesment was very fair.
1

out of 5

POSTED: | BY: E.

Very disappointed

We had Embrace for both of our boxers. Our first and only claim was a great disappointment. After review of our boxer's medical records, they eliminated coverage on just about all potential future issues. This included the shape of his jaw, being a boxer. The evaluator stated that there would still be value in keeping insurance for things such as torn toenail! Unbelievable. Never again!! Waste of money.
5

out of 5

POSTED: | BY: Spencer

Great service!

I am amazed at how prompt and efficient Embrace has been in reimbursing my claims. My 2 dogs have excellent vet care and I am appreciative of how Embrace handles all claims. Thank yyou Embrace staff! Spencer Lauger Jr and pets pug Walleen & terrier/poodle Freddy
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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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