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: Annette

Quick response, very efficient

My vet and other people have mentioned that they have never heard of Embrace, but I told them I read an online review of pet insurance providers and Embrace was listed as one of the best. Their website is user friendly and they settle claims quickly.
5

out of 5

POSTED: | BY: Suzie

Super Quick Responses

Our two year old Lab/Retriever mix pup had a large growth on her leg, which the vet thought we should have removed & tested. Embrace was so very quick to process our claim and issue an insurance refund - lightening fast! I cannot say enough about the staff's thoroughness with acknowledging, processing & paying the claim. We are so happy we decided to obtain pet insurance through Embrace. We will continue to do so for the life of our wonderful Marley. Thanks!
5

out of 5

POSTED: | BY: Rebecca

Extremely Pleased

When we brought our Yorkie, Bailey, home I wanted to make sure he was in good health and had the proper health coverage. I had pet insurance with my previous dog but I wasn't completely satisfied with the coverage so this time I decided to shopped around. I examined the top ten rated pet insurances listed on line. Embrace Pet Insurance offered both an accident and illness policy and a wellness policy. Both policies are important to me. The Wellness Policy s something you use annually for things like shots and teeth cleaning.Veterinary costs are expensive but when you love your pet they become family and you want them to have the best veterinary care. At 8 weeks of age Bailey needed all the usual puppy shots plus a flu vaccine. The heartworm and flea medicine isn't cheap either. At 6 months we had Bailey neutered and he had to have some baby teeth pulled that were interfering with his adult teeth. All of these things were covered at 100% up too the $400.00 annual maximum. Embrace also offers direct deposit directly into our checking account and that made receiving our reimbursement that much faster. I haven't had to use the illness or accident insurance yet and hopefully I never will but I have it for Bailey just in case. It gives me peace of mind. My first Yorkie had cancer of the mouth and the surgery was so costly but it saved his life for 6 more years and I don't regret our choice. He lived to be 18 years of age. That's the reason I have pet insurance. Embrace gave me opti
5

out of 5

POSTED: | BY: Naida

Extremely pleased with coverage and service

Very quick turn-around on reimbursement for my dogs wellness expenses. Good, clear communication is also an added feature. I recommend highly recommend Embrace.
5

out of 5

POSTED: | BY: Lisa

It can't be this easy, can it?

I thought long and hard about the pet insurance I would purchase, and I am happy to say I made the best decision by going with Embrace. Not only was my claim paid in full, but it happened within a week of my dog's visit. I would encourage all pet owners to consider Embrace
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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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