Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Karen

Great coverage and very timely payment of claims

I was informed by an Embrace consultant about my wellness coverage for my dog Allie. I took her to get her annual heartworm test and bought a year's supply of Sentinal thanks to Embrace at no additional cost. I am very excited about this benefit that I upgraded Allie to the superior wellness plan. Thanks Embrace!
5

out of 5

POSTED: | BY: Terr

Great service-prompt replies

I always get a prompt reply to my questions and/or claims. I had a different insurance plan for my dog & cat, that just dropped me. So far Embrace has been prompt, courteous and just great.
5

out of 5

POSTED: | BY: Deborah

Absolutely awesome pet insurance

My husband has had Embrace Ins for a while now and he has been very satisified with the coverage and the reembersments that he got back. I am so happy with his results that I have purchased a policy for my little one. The Wellness Plan that you have avaliable is wonderful and there are no problems with paper work. We are very satisfied customers. Thank you Embrace for everything. Morris and Debbie Ardle From Tucson, Arizona
5

out of 5

POSTED: | BY: Patricia

very prompt and great service

I have wellness insurance for my little dog and the year anniversary of my health insurance was coming up. I went to the vet to update shots and get a chip put in. I was in a hurry to turn in the insurance claim and did not complete it correctly. Embrace insurance staff called and explained the problems with the claim. The claim went through as soon as all the information was turned in. I was happy to enjoy very prompt and courteous service.
5

out of 5

POSTED: | BY: Abby

Love this Insurance

We have had Embrace Pet insurance for almost 6 years and we just love it. We have English Mastiffs so it was important for us to find insurance that would be enough to cover them with enough insurance to handle any life-threatening illness (which we hope NEVER happens). Having this insurance makes up feel comfortable that we could handle anything that might come along so we don't have to make a choice we would rather not. Embrace is very fast in processing claims so I can put their charges on a credit card and I have the money to pay all but our portion off within two weeks. Embrace's staff are kind and caring - I never feel like they don't want our claims, but the opposite, they are concerned about the health of our dogs. All in all, in my opinion, you cannot find a better pet insurance provider. They are far above the rest.
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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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