Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Hedy

Polite and Prompt

I have had Embrace insurance for the last 4 years or so. Embrace has always paid claims promptly and without fuss. The staff has been unfailingly polite and accommodating. This review is not for one incident but for many over the last few years as my dog's health declined due to kidney disease then kidney failure.
5

out of 5

POSTED: | BY: Pat

Thank you Embrace!

My monthly premiums are so reasonable and my dogs have been very healthy. But with a surgery suddenly needed and a surgeon called in, I couldn't be more pleased with my coverage. They're paying 80% of the total. I did opt for prescription coverage also, and I am so glad I did. Medication was needed for the 1st week and a half.
5

out of 5

POSTED: | BY: Elyse

Great experience with Embrace

This was the second ACL repair for my dog this year. I never would have been able to do both knees in a year if I didn't carry insurance that covers orthopedic surgeries. Embrace made it possible for me to give my dog the ultimate care. They were very responsive to me with both claims and reimbursement was very quick after the claim was filed! Thank you for great service!
5

out of 5

POSTED: | BY: Rick

Well taken care of and more…..

This is my second year of coverage for my two Pembroke Welsh Corgi. I am very pleased with everything and anything the comes up. From explanation of coverage, renewal, repayment. They communicate well and gives me disclosure. Each time I take my boys to the vet for their wellness, I get an email right away, telling me what is covered, when they received it and when I will get my money back. Quick, Easy and well planned.
4

out of 5

POSTED: | BY: Nancy

Good Handling of Claim

Good communication on status of claim
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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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