Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Rico

Consistently pays claims

My Dog has a variety of orthopedic related issues and whether it was surgery, xrays and the follow on monthly medication, Embrace has covered the items I've submitted. This is my first insurance policy and it's certainly worked out in my favor. Very good customer service and claims have been paid without much delay.
5

out of 5

POSTED: | BY: Jeanne

A very happy customer

I've had Embrace for both my dogs for a few years now, and have always had an easy time with claims. Now one of my dogs has Cushing's Disease, which requires a lot of testing and treatment. I'm astounded at the incredibly fast turnaround of claims, the easy access of agents, and the kindness and thoughtfulness of everyone I've dealt with at Embrace. It's wonderful to know that I can afford to get treatment for my precious pet thanks to insurance. I'm recommending Embrace to all my pet-owning friends.
5

out of 5

POSTED: | BY: Kathy

Made a bad situation better

I was grateful that I had an Embrace policy for our little rescued Boston terrier. She was diagnosed with a tumor near her ear drum and after surgery, suffered a life-threatening artery rupture requiring a stay in the veterinary hospital. I submitted my claims and Embrace immediately responded and sent a reimbursement check. Very impressive. They continued to follow up to make sure I had received the check and to inquire about the continuing recovery of my little friend.
5

out of 5

POSTED: | BY: elizabeth

I am thrilled that my friend recommended Embrace

Customer service was excellent. I received prompt responses.I have two dogs and visits to the vet can be quite expensive.Embrace has provided me with peace of mind.Thanks, Rhea, for recommending Embrace.
4

out of 5

POSTED: | BY: Vlada

As promised... though not quite as expected

My dog has a recurring ear infection for which we've repeatedly seen a vet. I knew that medications weren't covered by my particular policy, but I did not realize that that includes not only prescriptions but all shots and drugs given at the vet's office. Basically, the only things reimbursed are the actual visits and procedures. Other than that, service is excellent: I get emails to acknowledge receipt of my claims, and reimbursements are given quickly and without a fuss.
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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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