Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Amy Grucela

Great Coverage, The Best Pet Insurance

I have been a client for 7 years and have been extremely happy with Embrace. They are great with coverage and don't have tons of exclusions for genetic reasons like other providers. Communication is strong and they are quick to review claims and submit payments. I wish they still offered dental coverage but otherwise they are the best provider out there!
5

out of 5

POSTED: | BY: Bruce Einhorn

Great Service So Far

We submitted Wellness Claims for our 16 week old puppy and received full payment within 10 days. So Far So Good - Makes me glad I chose Embrace after looking at all the different pet insurance policies available.
1

out of 5

POSTED: | BY: Marsha

Worst Insurance

Purchased Embrace have had nothing but problems. Denied a claim a 1 1/2 yrs after purchasing insurance stating that it is a pre existing condition for a brused spine and ruptured disc.
5

out of 5

POSTED: | BY: Brad Myers

Fast service

We took our Great Dane in for her yearly check-up. She had shots and exam, which was covered under the wellness plan. The vet filled out the form and we sent it right off. We received an email saying the claim was being processed and within few days from that we had received a check. You can't ask for it to be much easier than that.
5

out of 5

POSTED: | BY: Sheri Lamoreaux

Best decision I ever made

I never knew that pet insurance existed until I got my dog. I am so glad that I got it because he's had a few issues. Embrace has been nothing but helpful, kind, speedy with reimbursements and just a pleasure overall to deal with. I've told everyone I know with a pet that if they don't have insurance, they need to contact 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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