Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Sasha

EMBRACE equals AWESOME!

We have never had pet insurance before but after having Embrace for only a few months for our new German Shepherd pup we are absolutely blown away! The service is terrific and fast and the communications are wonderfully appreciative and courteous! I wish I could get such great service from my own insurer. Thanks EMBRACE!!
1

out of 5

POSTED: | BY: Holly

Horrible

They denied claims without reviewing them.I did have a pre exsisting allergy exclusion, but they used that to deny eye infections, anything. Also the Ortho exam is another way they exclude items when My puppy was less than a year.
5

out of 5

POSTED: | BY: Paul

Claims Process

I can't possibly say enough how convenient, speedy and practical it is to be insured with Embrace and the claims process in general. Not only is the insurance worth every penny but you feel as though it truly pays for itself having the Wellness Benefits. Thanks a million Embrace.
5

out of 5

POSTED: | BY: J.

Embrace made my claim fast and easy..

My. Dog had a wellness checkup and an update on her vaccines . Within one week of submitting my claim I received an email that it was being reviewed. By the next week I received a check in the mail for the full amount. Awesome service.
5

out of 5

POSTED: | BY: Heather

Continued great service

I've had my new pup for 9 months now and Embrace continues to provide great service! It takes a little longer for regular claims (so far I've only had one) than it does for a Wellness reimbursement, but there were no complications and both went through as expected.
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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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