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.
4

out of 5

POSTED: | BY: Rebecca J

Good Service

My dog had a sebaceous cyst on his tail I took him to the vet for treatment...This is the first claim with Embrace and I was very happy with the ease of reporting and customer support through the claims process.
5

out of 5

POSTED: | BY: Karen L.

Great service

First of all, talk with the very helpful staff of Embrace and make sure you understand what is covered and what your options are. They are quick to respond and inform. My experience has been very positive, although I did not realize that the prescriptions for my dog would not be covered.
5

out of 5

POSTED: | BY: Kim Souchex

Happy with Embrace Wellness!

I purchased Embrace and Embrace Wellness for both of my mini Aussies just a couple of weeks ago. Last week I took them in to get microchips and to get Trifexis for one of them. I faxed the claim on 6/1 and today, 6/7, I have received an email telling the claims have been processed and I will receive a direct deposit for full, yes FULL, payment for all services within two buisness days.
5

out of 5

POSTED: | BY: Nina

Quick Refunds!

I am so happy I decided to purchase Embrace Pet Insurance for my dog when he was a puppy - I get refunded 80% of nearly all of his vet bills, plus $200 of wellness refunds every year (that cover things like his annual checkup and shots). After the first instance where my pup got sick and I had a $1,200 vet bill to pay, I knew buying Embrace Insurance was well worth it! On top of that, they issue the refunds super quickly after I submit his claim... often within a few days! I'd recommend this pet insurance to anyone with a furry loved one!
4

out of 5

POSTED: | BY: Dane Rodriguez

Happy

It's pretty good I just started this insurance. And it's good no problems until now they email you about any info about your insurance if anything is covered and stuff like that
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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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