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: BigMez

True to their Reputation

I did a great deal of reading and comparing before finally deciding to go with Embrace. Glad I did. They have a stellar reputation for customer service. I recently took my dog in for a skin problem and the orthopedic exam. After sending in my claim, I promptly received a courteous email followed in a few days by the reimbursement check. Had no idea it was going to be this easy. If only people insurance were run with the same amount of forthright honesty and courtesy.
4

out of 5

POSTED: | BY: Beth

Good reimbursement

For my dog's wellness exam I was reimbursed promptly.
5

out of 5

POSTED: | BY: Claudia

Thank you Embrace

Our precious Jack! Our LAST dog as we approach retirement. Save the best for last! Thank goodness for Embrace as Jack has successfully recovered from so many health issues and is a happy healthy dog enjoying his senior years with us. Embrace has allowed us to give Jack the BEST LIFE EVER which he so deserves. Thank you Embrace. You are the greatest!
5

out of 5

POSTED: | BY: Patty

QUICK TURNAROUND

I have had pet insurance for almost 7 years now. My black lab, Belle, just had her second ACL surgery. The charge was $5600. Embrace processed her claim and sent a check ASAP. I would strongly recommend Embrace pet insurance to all pet owners. Having insurance saves me from having to make difficult decisions and from going bankrupt!!
5

out of 5

POSTED: | BY: Mina

MUST HAVE!!!

I have been with Embrace for more than 3 years and I get more enthused about them all the time. I insure two dogs, one with severe neurological issues and another who was healthy as a horse and then developed an almost terminal condition unexpectedly. I think we have now spent around $35,000 dollars on the two of them and 90% was completely covered by Embrace. No arguments, no hassles, they simply do what they've agreed to do and with kindness as well. I find the Wellness plan to be more than worthwhile too- if you provide even the most basic vaccinations and flea preventative, you will more than make your investment back. I will always use Embrace and I encourage every person who adopts a dog (or cat) to get this. It's the best investment you could make and it insures your family member can get the health care they need. Bravo Embrace!!!!
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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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