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: Jean

4 DAYS!!! WOW!!!!

My vet submitted a Wellness claim on my kitten and within 4 days, Embrace direct-deposited the entire amount billed into my checking account. You can't get better service than that!
5

out of 5

POSTED: | BY: Dana

Outstanding Service

My vet told me when I adopted a rescue that I should really consider Embrace for pet insurance instead of other services. I took a look online and did some research, Embrace was by far the best service for the price for my very active dog. We opted for the wellness and sick/injury coverage. About four months after having our new puppy she swallowed something, spent the night in the ER costing us a pretty penny - well Embrace covered exactly what they said they would not gimmicks, hassle - the reimbursement check was in my mailbox 2 weeks later and they even followed up to make sure we had received it. My own personal health insurance is not that good compared to Embrace and I have one of the leading carries in the US. All in all if you have a furry friend, sign up and make sure its with Embrace.
5

out of 5

POSTED: | BY: Hayes

Complete Satisfaction

After several years with VPI I didn't think it could get any better. However, EMBRACE really puts the cherry on-top of that oreo shake. Using the well-ness program and getting the refund for rendered services has never been so completely satisfying. It's a great deal, I get back what I pay in, and it's quick and easy! Complete Satisfaction :)
5

out of 5

POSTED: | BY: Randi

Domino was diagnosed with diabetes, then CATARACT

We rescued Domino 2 years ago as a healthy senior, and as a first time pet owner selected embrace insurance. i hoped it wouldnt be necessary, but he developed diabetes and a heart murmur after a year or so. The bills weren't bad, hardly over my deductible until recently. He developed cataracts, and was almost blind within 3 weeks. We had the best vet care, and did a predetermination with embrace to see if his surgery was covered. it was and we were able to go forward with his surgery! The reimbursement process was fair and quick!
5

out of 5

POSTED: | BY: Barbara

All you can ask for

Our Lucy needed emergency treatment on Christmas Day! We took her to a local pet emergency room. We did not think to bring any insurance forms or information with us. All we did was submit to Embrace our claim form and they took care of "filling in the blanks" for us. They contacted the hospital directly and kept us updated on the status before we even asked. The coverage we purchased is the coverage we received; no questions asked. If only they offered insurance for people!

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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