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: Tricia

Great

My dog was hit by a car and required both emergency and regular veterinary services. Our claims were easy to file, were processed quickly, and were approved! Thank you Embrace! I will recommend you to everyone I know!
5

out of 5

POSTED: | BY: Julia Smith

Excellent service!

Excellent insurance company! My cat has been unlucky the last several months, she got sick in june, then july and then in october she had a little accident, and every time I had to go to the vet's office, Embrace paid the vet's visit amount, no questions asked! I will stay with them as long as I have a pet or pets in my family!
5

out of 5

POSTED: | BY: Keith Bannister

Wellness Visit

I had my girl's spay/microchip appointment on Oct. 31, 2012. She also received some pain meds for after the surgery and flea medicine and fecal exam. Al covered. Today is Tuesday Nov. 6, 2012 and the claim has been processed and my money deposited back into my account (376.00). That is less than a week (including a weekend), and may have been faster had my vet not neglected to send my detailed invoice in the initial fax. They sent it a day later. All and all embrace has been in contact with me every step of the way. When I sent in any documentation I always get a follow up email. I honestly am surprised by the service and speed with which they handle everything.
5

out of 5

POSTED: | BY: Suzanne

So happy to have preventative care

I have had Embrace Pet Insurance for my Service Dog for the last three years (since I got my Service Dog). I am so happy that I have never had to utilize its services for anything more series than a skin infection. I utilize the well patient benefits of keepy Wyatt up on his shots and monthly flea and heartworm preventatives. I am so glad that if something major arrises that I will have the benefits available to help.
4

out of 5

POSTED: | BY: Christa

I would recommend Embrace.

My dog was diagnosed with Lymphoma(Cancer of the lymph nodes.) She has had many claims and will probably need more treatments in the future. If I did not have Embrace she may of not been able to get the treatment she needed, due to the expense. The staff was kind and sent emails on a regular basis to let me know what was happening. I am thankful to have them. The only thing I did not understand is why it takes the claims close to a month to go thru. Regaurdless,I am happy with the insurance.
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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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