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: Aaron

Surprisingly ideal

I was pleasantly surprised by this insurance. Initially there is some work you need to do to get everything running smoothly, but once you do it, it all pays for itself.
5

out of 5

POSTED: | BY: Danielle

Great experience so far

Researched the 3 top pet insurance companies that were referred to me. Embrace seemed reasonably priced and I didn't feel confused by weird terms. They were great with reimbursing me for wellness although I maxed out after just two visits. (NYC vet prices are pretty high). I did have minor billing issue but their customer service department was very quick to respond and settled it immediately. So far so good.
5

out of 5

POSTED: | BY: Nataly H.

Really Good Pet Insurance

My kitty was in a bad condition on Christmas Day (2013) and needed major surgery for bladder stones. Some people laugh at me when I tell them that I have pet insurance, but I am the one that is laughing last! I was with another pet insurance company prior to joining Embrace and let me just say that Embrace is FAR better. There are different tiers you can choose, but I chose the higher one with more coverage. Sure I pay more a month, but it worth it in the end, especially for surgeries, unexpected illness, or overall wellness care. His surgery cost over $5,000. Embraced reimbursed me for most of it!!!!!!!!!! Also my claims turn-a-round was fast. If you are currently shopping for pet insurance, I highly recommend Embrace!
5

out of 5

POSTED: | BY: Susan Montgomery

Quick, easy, and cover what they say they will.

We purchased Embrace for our 2 Irish Wolfhounds, and immediately had our yearly Wellness done. Embrace covered everything they said they would, kept me updated on the status of the claim and I already have the reimbursement check!
5

out of 5

POSTED: | BY: Charon

Wellness Plan is great

Thankfully I have not had to file a claim on many emergency issues, but I have used the Wellness plan now for 2 years on all 4 of my dogs and find it very fast in payment. We use up every penny of it each year on vaccinations, heart worm meds, and on routine blood work. The reimbursement is very fast, and with no issues.
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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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