Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Kathleen

Embrace never disappoints

My French Bulldog celebrated her fifth birthday by acquiring a skin infection around her eye that had not one, not two, but three components (bacteria, yeast and mites). Not surprisingly, this required multiple vet visits and prescriptions. As soon as I started filing claims, Embrace was (as they always have been in the past) prompt and diligent in processing them. I received frequent updates on the status of my claim, including an apology when the processing took longer than they had anticipated, and a full explanation of what my refunds were and why. There were no hassles or second-guessing. My veterinary clinic also loves working with Embrace. Very happy clients all around.
5

out of 5

POSTED: | BY: Barb

Great response-Great coverage

We have had Embrace for our two golden retrievers. We appreciate the ease of communication with them, the fast response time, and they cover what they say they will cover. Period. There have been no glitches, and in every email communication we get from them about a claim, they make us feel that they care about our dog and also about the quality of the service they are providing. Two thumbs up! I hope they continue to deliver excellence service. Our dogs are family!
5

out of 5

POSTED: | BY: Sharon

Nice to have

I like that we have the Wellness plan where we get reimbursed for our yearly meds for Peanut.
5

out of 5

POSTED: | BY: Sue

Excellent coverage

I've had Embrace Insurance for two of my dogs since 2009. They were both very healthy until this year. Frankie hurt his back. I have been so pleased with the coverage we have received. The claims have been processed and paid with no questions asked within two weeks of their submission. I used to have VPI insurance and the scheduled payments just didn't cut it. I hardly ever collected anything. I'm so glad I found Embrace. I've really spread the word too. I work at a dog training facility and I'm always bragging about the wonderful insurance I have. Thank you, everyone at Embrace!
5

out of 5

POSTED: | BY: Wendy

Wellness claims for Golden puppy

Our experience has been great so far with our new puppy. We have only used our Wellness benefits so far and hope to keep it that way! The Embrace team has been very helpful in communicating the status of our claims and answering our initial questions about claims processing. The Wellness benefits have been helpful in budgeting our costs with a new puppy. We've never had pet insurance before but have had goldens in the past and thought we would see if the insurance helped this time around.

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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