Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Laurie Williams

great to work with

I submitted a claim for reimbursement for my dog's yearly exam and related testing and vaccinations. I was contacted the next day by Embrace and told that my claim was received and being processed. Then I received an e-mail from Embrace stating that my reimbursement would be deposited into my bank account within the next 3 business days. I received the money in 2 days! Excellent communication and processing time.
5

out of 5

POSTED: | BY: Cindy Stiner

I Embrace Embrace

I am glad the vet had info about Embrace. I did not know about pet insurance and from the first time online at the site to my wellness claims everything has been spot on. I am impressed with this company and will tell anyone I know that they need Embrace for their furry children too! Thank you Embrace!
5

out of 5

POSTED: | BY: Billie

Embrace Service

I have had my dogs insured with Embrace for the past two years. Service and payment is extremely prompt and just as advertised. I have never had any issues. I couldn't ask for a better insurance. Wish my human insurance was. This prompt and accurate. Love Embrace.
2

out of 5

POSTED: | BY: Michele Charvat

Claim for Spading

Spading for my pet was supposed to be covered. Now I am told that it will not be covered due their interpretation of it being under wellness. I feel this should be covered over and above the wellness. This is just good pet ownership responsibility. I may even look into changing providers.
2

out of 5

POSTED: | BY: Wendy Porter

Jury is still out

The company sure seemed great when I signed up. When we rescued a second dog we switched from another insurance company because this one seemed like it might be a better deal. So far, I am disappointed. We never get much back from out claims. My most recent was $888 and after the deductible and things that are not covered I am receiving a refund of less than 10% (and that took 3 1/2 weeks). I sure hope it gets better.
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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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