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.
5

out of 5

POSTED: | BY: Eileen

Terrific

I only have positive comments -the customer service, enrollment process, communication about claims, and fast payment make EMBRACE a good choice for anyone looking for pet insurance. My 9 month old Australian Shepherd puppy tore her hind leg tendons requiring surgery. I was concerned that the insurance would find something not to pay, however, all was covered (minus deductible and co-insurance). I highly recommend EMBRACE pet insurance.
5

out of 5

POSTED: | BY: janice

Never be without embrace pet insurance

Our cat was recently injured by a coyote. I did not think she would make it. Thanks to having embrace insurance we did not have to compromise with the care she needed. We were kept up to date on all our claims and received our refund checks very soon after claims were submitted. I will never be without embrace insurance!
5

out of 5

POSTED: | BY: Georgette

Skeptic at first

Embrace had the most coverage for the most reasonable price and so far they've been great. The orthopedic exam that they require in order for you to be coverd for any bone injuries within 6 months of coverage was reimbursed to me, being I had the wellness coverage on my dog. They acknowledged the claim within days, and within a week I had the check in the mail!
5

out of 5

POSTED: | BY: Jody

Best Purchase I ever made!

We purchased Pet Insurance for the first time in 01/2012. BEST Decision/Purchase we ever Made! I researched other Insurances but found that the wording used in their Policies left ample 'wiggle' room to decline coverage for many things. Whereas, EMBRACE INSURANCE was very straightforward, honest, and clear about what is covered, what isnt, etc.. Our bulldog is young, very curious and rather clumsy. Without Embrace Insurance, I dont know what we would've done. I have numerous co-workers who have heard my stories about 'the most recent Vet visit' of the week/month'. I additionally explain about our Pet Insurance, and (of course), many of them ask for a brochure, or website, etc.. We ABSOLUTELY intend on keeping this Insurance company for Every pet for the rest of our lives. We are exceptionally pleased with Embrace in every aspect. Thank you Thank you Thank you Embrace Insurance!
5

out of 5

POSTED: | BY: Laura

Keeping me updated

The claim process took longer than I expected but I was updated along the way which was great! Everyone takes the time to make sure I'm aware of what's happening. Thank you all very much
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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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