Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: JR

So easy to use and already saved $

I continue to be impressed with how personable the reps are, especially considering most of my communication is over email, which is such an impersonal form of communication. All the forms and processes have been easy to understand and we quickly started to save money on our dog's health care. We hear from many people that Embrace has a great reputation too, which reaffirms our decision. I'm so glad we made the choice to get insurance and go with Embrace.
5

out of 5

POSTED: | BY: Ron

Very satisfied so far

Our wellness program has saved us a lot of money on our 2 lab-mix puppies. There's many expenses with new puppies and any discounts a owner can receive are always helpful. So far they have been healthy puppies with only a minor ear problem to use against our deductible. I'm a believer in "Murphy's Law", and with very good coverage, hopefully I'll never meet my deductible.
5

out of 5

POSTED: | BY: Bernhard

Simple

Great simple plan. You pick your coverage and your deductible. Then when you have a claim you send in your receipts and a simple cover sheet. They keep you updated on the status and provide a detailed explanation of your settlement. Nothing hidden everything is out in the open. I would not get pet insurance from anyone else.
5

out of 5

POSTED: | BY: Michele

AWESOME!!!!

I have had Embrace insurance now for about 5 years, and they are great. Paid for my dogs knee surgery that was 6,ooo and now he has cancer, and we are going thru treatments and they are always fast with our return. I am a big advocate now for pet insurance. I tell ALOt of people about Embrace!!!
5

out of 5

POSTED: | BY: Karen

Great Pet Insurance

We haven't had any problems with this insurance. We have had them for a couple of years now for both our dogs and we send our claim in and normally receive an email with a day or two letting me know they have received my paper work. And i will then normally here from them with a week or two that my claim has been processed. I also had a dog pass away under this ins. and everyone was so thoughtful and caring, they called us to see how we were doing and sent a sympathy card also. A very caring company. Would recommend them.
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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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