Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Barbara

Great plan

Once again our claims for Teo and Tess were processed promptly, clearly explained, and checks arrived - all within about two weeks of claim. The adjuster even sorted out two for Teo - one his wellness, and the second for an ear infection discovered during the routine visit. We are very pleased with Embrace.
4

out of 5

POSTED: | BY: Kristen

So Far So Good

So Far So Good with Embrace. We were really having a hard time picking between insurance carriers and ended up just pulling the trigger - figuring if we were unhappy we would just switch. And like I said, so far so good. I was hoping to get a little more back on our mastiff's entropian eye surgery but 60% isn't bad. I'm probably most happy with their promptness and customer service.
5

out of 5

POSTED: | BY: Leslie

Amazing

I cannot say enough great things about embrace. They have exceeded all our expectations. There has been none ( ZERO) of the typical insurace carrier nit-picking. They give us timely updates on our claims, have issued quick reimbursements and even follow up with us making sure our puppy is feeling better. I wish I had coverage this good for myself. I highly recommend.
5

out of 5

POSTED: | BY: Tuckers

Thrilled Again

All I can say -- if you want a dependable, honest, reliable insurance provider for your beloved pet you will be THRILLED to have Embrace for your furry friend! Embrace has been with us every step of the way for a boy who is challenged with bilateral hip dysplasia. They have outstanding customer service, prompt and easy claim processing along with NO GIMMICK reimbursements.
1

out of 5

POSTED: | BY: Carol

lies lies lies

we have a golden doodle who is 8 yrs old. she has been in excellent health and we have a new great dane puppy coming home in a week. took lola (golden doodle) to the vet for her annual checkup and everything was great. decided we would get insurance for her. signed up with embrace, was asked to have vet complete the orthopedic form and that way she would be covered 30 days later for anything ortho. done. we got the insurance the day after her exam thinking that way they would know she was in good health, this was 3 weeks ago. called today to add the new puppy and found out that now they wont cover any orthopedic for lola for 6 months since we had the checkup done the "day before" we signed up for insurance. she has NEVER and i repeat NEVER had any ortho or medical problems at all. was told that if it was 2 days before things would be fine... huh??asked more questions.. people apparently didnt know what they were talking about with any other conditions and getting confirmation if they would even cover an ear infection etc. they offered NOTHING. so i cancelled the policy. i certainly didnt get any good vibes from them. i suggest you ask TONS of "what if" questions before signing.

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 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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