Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Beth

Happy again with Wellness Plan

I recently submitted another claim against my Wellness Plus Plan and my claim was reimbursed again in full by Embrace. So far so good! Each time I have called Embrace the customer service people are super nice and very helpful. If you can, purchase the Wellness Plus Plan because it does cover a lot of things and to get a $400 allowance for just the annual fee of $299 is well worth it!
4

out of 5

POSTED: | BY: Franklin

As promised

I enrolled along with the wellness plan and so far everything has been great. I love the no limit on specified benefit like Flea and tick preventives and etc. I just wish the the premiums were lower.
5

out of 5

POSTED: | BY: Daniel

Very efficient

Embrace Insurance continues to operate efficiently, ethically, professionally and smoothly. We buy the best care, food, services for our two dogs who have been insured by Embrace for at least six years. Thank you Kristin Lee!!! We will continue to recommend your company when asked by others, which happens often...
5

out of 5

POSTED: | BY: S.

Great deal, excellent service

We just adopted our goldendoodle, Finley, and wanted to have insurance in case we have any problems. But the odds of that are low overall, so I really wanted insurance that would help out in the event of an emergency and ALSO help with the routine care a puppy needs in her first year. Very pleased to find this one, with a $400 wellness budget that will cover her spay procedure, microchip, all the basics. We'll get 80% of our money back off the top. Well, just sent in my first claim and within days I'm already getting a check back. They responded quickly with emails updating me and even told me to "give Finley a belly rub from the Embrace team". Nice touch. Very pleased.
5

out of 5

POSTED: | BY: Michael

Fast Turnaround For Claim Payments

I've had Embrace for 2+ years and they have been fantastic! I used 2 companies prior to going with Embrace and those other insurance companaies don't even come close to the timeliness of coverage reimbursements and their customer service. My Great Danes love Embrace too!

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 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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