Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Travis

Wellness Claim for Ortho Exam

Embrace promptly responded to and sent payment for my Wellness claim for my dog's Ortho Exam. I think I received the check in about a week of sending the claim in. The Wellness program is a great deal, especially during a puppy's first year (when I will be neutering and chipping him as well).
5

out of 5

POSTED: | BY: Christina

Quick Service

We were very pleased with how quickly the reimbursement checks arrived for our pets services. The process could not have been easier!
5

out of 5

POSTED: | BY: Sue

Fantastic Wellness plan!

I took my dog to the vet for his yearly visit and heart worm/flea meds. I submitted the claim and received the check within about 10 days. I would recommend this plan to everyone who has Embrace insurance. You get more back than you pay for the coverage. What could be better than that!
5

out of 5

POSTED: | BY: Kim W.

So glad I went with Embrace

My husband and I were skeptical about getting pet insurance, as we didn't know if it was really worth the cost. We spent a lot of time researching companies and found that Embrace is by far the best one out there. After only having our puppy for 7 months we are beyond thankful to have our coverage with them! It has already paid for itself for the year & has tremendously helped us out financially when our puppy was diagnosed with a condition that needed arthroscopic surgery. The claims process is very easy & we have already received our first check from them. There were no issues when calculating our reimbursement...everything was done exactly the way it should. We are so pleased with Embrace that we tell all of our friends who have pets to go online and get a quote...they wont be disappointed!
4

out of 5

POSTED: | BY: Nick

Embrace Comes Through

Embrace covered the cost of my dog's hospitalization and kept in close contact throughout the claims review process.
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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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