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: Linda

I respect this comoany very much.

Ive had many dogs in my life, currently 2 beagles and a lab pup.The beagles were the first i ever insured, but was never happy with them, so when we got Gibson I did alot of research and read every review I could! That research led me to Embrace,and with my first claim for his neuter I can say I am very pleased and satisfied with my choice!
5

out of 5

POSTED: | BY: Nerissa

Great customer service

Our dogs both had their annual shots. Embrace was very responsive on our claims for both and was very clear on what we can expect. Very responsive customer service.
5

out of 5

POSTED: | BY: Mike

Good Coverage

My Pup fell on ice and hurt both her knees. Claims were submitted to Embrace on 2/12/14 and check received on 3/21/14. This time included obtaining more in-depth information from the Veterinarian.
5

out of 5

POSTED: | BY: Barry

excellent customer service

I've only been with Embrace since March 1, but so far, so good! The staff explains everything in terms I can understand and is upfront and honest about what is not covered (i.e., pre-existing conditions, etc.).
5

out of 5

POSTED: | BY: Cindy

So quick and easy!

My Christmas season was less than merry when my dog was attacked by another dog on Christmas Eve. Thankfully all he needed was stiches, but as we all know that's an expensive fix when you're talking about stiches in a dog. Once the holiday season was over and Auggie was all healed I submitted my claim. I assumed it would take 4-6 weeks. Imagine my surprise when I recieved a check in the mail just 10 days after my claim was submitted! I've heard horror stories of other pet insurance companies not covering things or "fighting" the claim. No issues here. I love and will highly recommend Embrace to every pet owner I know!
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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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