Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Jim Duchscher

completely satisfied

Signed up with Embrace for my black lab Ike, and included the wellness option. I took Ike in to be micro-chipped and had a wellness exam at the same time. Embrace processed the claim and had a check to me in less than a week, keeping me informed of the claim's progress almost daily. So far I am very happy with the Embrace experience and the follow up I've received.
5

out of 5

POSTED: | BY: Lindsay Huttman

First Refund!

My paperwork was submitted on Tuesday and by Friday of that week I had a determination on my refund and the check was on it's way. Great service so far, glad I chose Embrace.
5

out of 5

POSTED: | BY: Helena Sfogliano

So far so good!

I just joined Embrace, and this is my first claim submission. It was handled extremely prompt. If this is an indication of how they conduct business, I will be with them for a long time...providing they don't drastically increase their rates like the previous firm I had.
5

out of 5

POSTED: | BY: Nikki McDonald

BEST Pet Insurance Ever Invented

My vet is now recommending this insurance to their other patients. It is super fast, and you control what type of insurance you want with extras when you sign up. It has saved me tons of money! Otherwise I would not be able to afford the excellent healthcare that my dog Jake gets. They keep on top of everything and you receive your money back with in 2 weeks after your visit. I even recommend the wellness plan also. I recently went to get Jake's checkup and shots the bill was 200.00 I received 158.00 back. What a fantastic deal! Nikki
5

out of 5

POSTED: | BY: Natalie Tompkins

Glad We Chose Embrace

This is our first experience with pet insurance and it's great. To date it's been a hassle free process. We are happy with the coverage and ability to customize our plan, the simplicity of filing a claim, and the quick feedback. We highly recommend checking out Embrace for your pets.
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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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