Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Hilary

Great Service

Our puppy has been dealing with a bad case of Dermetitis, which has required numerous vet visits. I faxed the forms into Embrace and they immediately responded that they had received them. Within a few weeks I did receive a check, for a part of the claim. The customer service has been exceptional.
1

out of 5

POSTED: | BY: Sherrie

not that impressed

My dog ran into the street and was hit by a car, I think.I never saw it happen. All I know for sure is that he was hurt and scared and trying to reach me. A visit to my vet included exam and xrays, meds and advise. $292. After insisting upon a review of Franke's entire medical histort and tine and frustration, the claim to be paid was $50 or so. I am not pleased.
5

out of 5

POSTED: | BY: Laura

awesome

I have had a great experience with Embrace.
5

out of 5

POSTED: | BY: Julie

Beyond Grateful

I am once again humbled by the graciousness, and promptness of how Embrace has taken care of me, and more importantly, my pet. With every email they ask how my pet is doing, and I am always amazed by how much they care. My 3 year old Havanese just ruptured her CCL, and she's had other medical issues this year. Embrace paid 80% of her surgery bill, and saved my life. I honestly don't know what I'd do without them.
5

out of 5

POSTED: | BY: Erin

Best Investment

This is my third year with Embrace and everything from the first enrollment form to this recent Wellness claim has been easy! When I needed to speak to a live person, they have always been friendly and helpful. Submitting claims by PDF/ email attachment is convenient and quick. The direct deposit for the claim reimbursement saves time and avoids running to the bank. I have two dogs insured and would not change it for anything!!
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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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