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: Candice

Embrace is the best

I never thought that I would need to use my Pet Insurance when I first signed up. Both of my danes were healthy. But when I found out that one of my babies was sick Embrace came to my rescue. Health insurance is costly whether its for humans or pets. The people at Embrace really understand what you go through as a pet owner. I can not say enough about them
5

out of 5

POSTED: | BY: D

Excellent customer service

I have to say that I am extremely pleased with embrace pet insurance. Customer service keeps you updated from the time your claim is submitted until payment is made-usually within 15 days. I would absolutely recommend them. In fact, I have 2 dogs and had another pet insurance for 5 years. I was unhappy with my old pet insurance customer se ice and fee schedule. I was concerned about switching to a new insurance at their age. I truly have been pleased with the way Embrace has handled all our claims . My only regret is not knowing about them when I first got my dogs!
5

out of 5

POSTED: | BY: Debbie

great plan

fortunately, my 1 year old has not had any major illness or accidents yet but I also have the wellness coverage which I love. I have had two claims so far and both were handled quickly and no hassles. Embrace insurance/wellness program I feel is actually better than my own heath insurance plan! Glad this was recommendated to me.
5

out of 5

POSTED: | BY: Sherri

Very Pleased

This is my second check that I received from Embrace. With vet costs being so high, it is great that I can get some relief from this insurance company. I will be staying with embrace for as long as I own this pet, and all future pets.
5

out of 5

POSTED: | BY: Susan

Reliable, fair service

This was at least my 7th or 8th claim for my 2 dogs. I have always found the reimbursement to be fair, the customer service excellent and claims settled in a timely manner. I have recommended Embrace to all my friends with pets. I feel fortunate to have done such a thorough online search that I chose Embrace.
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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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