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: TAI

MOMO'S WELLNESS

The process was really simple and fast. All I had to do was fill out the required fields on the claim form and fax this over with the vet. bill and in about 1 week I received a refund of $156.00 back into my account. I was charged $49.00 for the doctor exam + $103.00 for the senior wellness profile I + $4.00 for the medical waste disposal which totals out to $156.00 (I received the full refund) and that's awesome!
5

out of 5

POSTED: | BY: Gloria

Accident/Illness coverage is excellent

Embrce has been very efficient and thoughtful thus far in covering claims for my 4 month old wire hair fox terrier Anna Bella. Anna Bella has had two gastric upsets since our coverage started and Embrace covered their part in a timely and stress free ( for me) mannaer. I am very happy with my coverage for Anna Bella. The stress free and easy claim form means more than anything to me.
5

out of 5

POSTED: | BY: J

Quick Response

Embrace does a good job of creating programs that help us get the most coverage as newly insured pet owner's. Our first claim went in without an issue using the wellness program. I anticipate being with Embrace for a long time.
5

out of 5

POSTED: | BY: Kitt

Best Pet Insurance Out There

We have had several different pet insurance companies over the years, and by far Embrace is the best. They really cover what they say they will. They don't try to weasel out of coverage. Our boxer was diagnosed with Lymphoma when she was nearly 7 years old. They have been there every step of the way - diagnostic testing, treatment, medication for side effects and when we renewed our policy the rate didn't go up a huge amount as I feared it would (like with car insurance) but stayed pretty much the same AND they continued to cover all of her treatment. She has since relapsed and is getting even more treatment - and still they are there to support us through our ordeal. The costumer service is fantastic, and the coverage is great. We could not have imagined going through this without them.
5

out of 5

POSTED: | BY: Bonnie

An Honorable Company that keeps its word!

Your insurance company is the best insurance company I've ever dealt with especially my mom's and mine:) It is a delight to communicate with your staff, and your service and forthrightness in honoring what has been promised will be covered and then actually is covered keeps me enrolled in the plan.Thank you, Bonnie
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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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