Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Brenda F.

Outstanding customer service

My pug was suffering from excessive drooling due to dental problems. Unfortunately, he had to have a tooth removed. Due to the very comprehensive wellness program, I was reimbursed for the entire amount of the dental care costs and my refund was direct deposited to my account in less than one week. I only wish my own medical insurance could be so efficient. Thanks Embrace!
5

out of 5

POSTED: | BY: Caro Villarreal

Wellness Plan and Insurance

I am a new dog owner, with no previous experience whatsoever. I found about Embrace on the internet, and after researching against other option in the marketplace, I decided to enroll. So far the service has been outstanding, following always via emails. I used the wellness plan for vaccination, and in less than a week I received notification of the reimbursement.
5

out of 5

POSTED: | BY: Mike Carson

Prompt Response

Pet was lethargic, trembling, running high fever and had to be taken to emergency clinic. IV brought fever down but within a day fever was back. Think problem was tick related and put on medication for 30 days. Back to normal very quickly. Claim Faxed to Embrace from Emergency Vet and check in mail within week.
5

out of 5

POSTED: | BY: Robyn Giles

First time buying pet insurance.

I got a new kitten and after having a cat that adopted me and ended up having type 2 diabetes and insulin shots twice a day, I thought I should look in to it. I have wellness on 3 of my babies and accident on my two youngest and I am very happy so far! I fax my bills and they send me checks very quickly- no issues so far, love it and recommending Embrace to my friends and family.
5

out of 5

POSTED: | BY: A.M.

A very good company

A friend recommended I get pet insurance for my new puppy Sofie2. Boy was she ever right! Sofie ended up in the animal hospital for two nights with some sort of gastro problem and the bill after ultrasounds, meds, and nursing care was about $1400! I was so relieved to have this insurance. The company refunded 80% to me without any questions asked. Just provided the documentation and in a couple of weeks received a check.
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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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