Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: dale ann

Couldnt be happier

My Mom and I are extremely happy with all the help we have gotten for our little 13 pound dog that has had multiple problems this year. Service was very prompt and fair. The entire staff is incredibly compassionate about animals, and offers kind correspondence at all times..... I don't know what we would have done without this financial help...
4

out of 5

POSTED: | BY: Wendy Smith

Human Health Insurance Should Be This Good

I only wish my own health insurance provider was as speedy and un-bureaucratic! Our two claims to date have been processed promptly and applied to the deductible with a minimum of paperwork and no annoying stalling via nonsensical questions or endless forms to fill out. It's an old-fashioned reimburse-for-services plan: you pay; the vets submit the claim, and Embrace notifies you of the resolution (in these two cases within two weeks). I'm assuming this will continue once we meet the deductible and start getting actual reimbursements.
5

out of 5

POSTED: | BY: Jenna

So thankful!

I got Embrace when I first got my mastiff puppy last year. They have been nothing but helpful. It is so easy to file a claim and they update you throughout the process. My puppy recently got into stuffed animals and had to have emergency surgery. Without Embrace this would have been a very difficult time financially. I am so thankful for this company.
5

out of 5

POSTED: | BY: maite

best insurance for pets!!

Since I've been enrolled with Embrace I had no problem with them, they are awesome. Costumer service is always nice and ready to help you with anything. I will never change to any other insurance we love Embrace! :)
5

out of 5

POSTED: | BY: Alicia

Not well known, but better than the most popular!!

I couldn't be happier with our decision to go with Embrace Pet Insurance for our baby boy, black labrador Trigger. We took him in for his puppy shots and to get his chip placed. We purchased the Wellness plan along with the illness/accident insurance plan. Our vetrinarian, was not already partnered or aware of Embrace, and Embrace made it easy on me by taking the guess work out of how to get them in contact with one another and have our claim smoothly submitted. Brian, an Embrace team member, contact our vet and had everything sorted out in one day. Within 3 days of that I had received a notice that our Claim under the wellness rewards plan would be completely covered. That's right, $349 back in our pocket, the insurance and Wellness Rewards package definitely pay for themselves. Believe me every little bit helps while planning a wedding and we can't thank Embrace enough for being so responsive. In 10 days we should be receiving the check. Thank you again Embrace!

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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