Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
4

out of 5

POSTED: | BY: Erica

I appreciate the coverage

My claims do get paid! But I find that they consistently are slow to get it done. I have had several letters telling me "we'll get it done, sorry, this is not like Embrace!" Well, apparently it is, since I get these letters every time. My dog has been in multiple times for blood and stool work ups, so although it's not one big claim, they're adding up, and I need my refunds.
5

out of 5

POSTED: | BY: Susan

You guys are great !

You treat the pet owners & pets like they are family ! So genuinely compasionate ! My dog goes to work with me and just today someone said "I'd love to get a dog but the vet bills are so high" I immediately said "don't you know about pet insurance " and recommended Embrace !
5

out of 5

POSTED: | BY: Patty

Excellent Pet Insurance in every aspect.

We have had Embrace as our pet insurance since our yellow lab first came into our lives. Marbles early on has had a hip problem and Embrace has been "Awesome" in dealing with our claims for him. We are a military family so we have had to deal with different vets as well as therapy programs for him and Embrace has been with us every step of the way. They are excellent about e mailing regarding any problems or questions be in to us or our vets. We would highly recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Noemi

Very Happy I Chose Embrace

I am very happy I chose Embrace...They gave me the ability to put my dog first, and my bank account second. Their claim procedure is easy and fast. Just fax your receipt and your check will arrive in a few days. Also, their wellness plan has no restrictions or limits on how much you can spend for specific care. I paid $128.15 for my dog's routine care, faxed it to them, and after few days I got my check worth $128.15 on the mail! Thank you embrace! I couldn't be more happier.
5

out of 5

POSTED: | BY: Lifelong

AWESOME!!!

Embrace is so easy to deal with. Their coverage for both Wellness and Accident are fantastic. Unfortunately we got to find out how it all worked early on when our new 3 month old puppy broke her leg. Thousands of dollars later (paid by Embrace, not us) we could not be more satisfied. I even submitted claims with mistakes (mixing wellness and accident together), they simply fixed it for me and sent a note saying they took care of dividing the claims into 2 and I would see both reimbursements show up in my account in a few days. AMAZING AND AWESOME. Great product and Great customer service!
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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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