Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,922

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.
1

out of 5

POSTED: | BY: Diana

Beware of the "Wellness" policy

I bought a standard plus wellness policy for my new puppy based on good reviews, though VPI has always been ok for my other dogs. Took him for his initial visit, but they wouldn't cover the wellness visit because the vet found an ear infection. So, don't expect them to cover any well visits if your vet actually FINDS something! Anyway, they did not hassle me when I complained and asked to cancel.
5

out of 5

POSTED: | BY: Dave

My first claim

I'm very happy and hope all future claims are handled this efficiently.
5

out of 5

POSTED: | BY: Gwyn

Thank you so much!!!!!!!

I have always been hesitant about getting pet (aka kid) insurance. I have 6 pekingese...3 whites and 3 partis. They are known for some health issues...backs, eyes, etc. But I broke down and got Embrace..upon the recommendation of my vet. They have been wonderful. I have submitted numerous claims for my pekes (and also have 2 Persians). Nothing has been a problem. Every claim is explained, the reimbursement is timely and never disputed...I feel like I am dealing with a member of my family. Highly recommend their coverage!!!!!!!!!!
4

out of 5

POSTED: | BY: Kimberly

Very Helpful

We have insurance policies on both of our dogs and the one time we submitted a claim for our bulldog the staff was very good about letting us know what they needed from us and prior vets, etc. We have these plans in effect for our dogs in the case of any major medical emergency...for minor things such as vaccine reaction checkups and the like we usually choose to just self pay. However, if you would like peace of mind knowing that your dog is covered in the event of a major accident or illness I highly recommed Embrace.
5

out of 5

POSTED: | BY: Judy

great company with friendly staff

My toy poodle slipped in wet grass and injured her shoulder. The claim to Embrace was very easy for me and the veterinarian's office staff to complete. It was resolved quickly and fairly. I am grateful for the competent staff at Embrace.
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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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