Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
2

out of 5

POSTED: | BY: Jonathan

Too slow

It took over 2 months to get illness related claims reveiwed and reimbursed. At least you sent email to say the claims were received, and I have no dispute with the final resolution, but there shouldn't be anyway.
5

out of 5

POSTED: | BY: Julie

Customer Service is the BEST

Every experience dealing with the customer service staff of Embrace..whether by email or phone has been nothing but pleasant, helpful and reassuring. And knowing that I have my dog covered for not only Wellness expenses but serious health issues should they arrive gives me peace of mind.
5

out of 5

POSTED: | BY: Rev.

Thank you.

Angel is now 5 years old. I have had embrace since she was 6 months old. Embrace has responded immediately and paid all her claims in a timely manner. Thank you.
5

out of 5

POSTED: | BY: Jan

Wellness Rewards Plus is the BEST!

Both our dogs were in for their annual exam, tests, and vaccines on 11/8/12. One dog is 13, the other is 6. Because we opted for the Wellness Rewards Plus program, the entire cost of all of this preventive care was covered in full and will be direct deposited into our checking account (our choice). Essentially, we pay $299/yr for each dog and receive $400 in preventive services which also includes an array of other preventive care items. Our dogs are covered for accident and illness under a separate insurance policy. It is great because we chose the decutible and the amount/type of coverage to fit our needs and budget. I highly recommend Embrace Pet Insurance for all of the preceding reasons!
5

out of 5

POSTED: | BY: Lisa

I am very happy with my pup's new Embrace policy

I recently got a new puppy and after lots of research, I decided to enroll him with Embrace. I took him for a wellness check with my vet very soon after I got him. Embrace service has been prompt, professional and friendly. I am looking forward to keeping my new family member healthy for years to come.
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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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