Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,616

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: Stanley Schwartz

Great service, and prompt payment

I was totally impressed with the ease of filing invoices for the Wellness Coverage, and the speed of reimbursement for invoices paid. Claim total was for the maximum coverage of $400.00 Thank you for your insurance plans.
5

out of 5

POSTED: | BY: Sandy Cook

So easy! Website explains everything!

I wouldn't normally not by "just in case" insurance; but having own a dog that "passed away" in Dec 2013.....you don't know how emotional it can be when you love of your life pet gets sick. Although, we would continue to spend whatever it takes for Haley to get well....the emotions involved and not knowing when to quit subjecting your dog to tests, tests, and more tests.....I wanted to safeguard my emotions.....and ensure I am making the right decisions for my pets. Embrace...definitely has the best interest for both pet and owner....The wellness plan and insurance is the best plan I have researched....I highly recommend Embrace to pet owners. Their communications are great! You really can't go wrong with the plan.
5

out of 5

POSTED: | BY: Jill Mills

Very Pleased

I researched 12 companies before deciding on Embrace for our English Bulldog Puppy -Tugger. We are completely thrilled with out choice so far and really appreciate the courteous and quick service we have recieved. Plus, the coverage for our boy to have great medical care, to me there was no comparison from all I researched. We are very happy Embracers!
5

out of 5

POSTED: | BY: Jinny

Solid Service

I did a lot of research prior to choosing my pet insurance. I did so much that I got overwhelmed and walked away for awhile, and then came back to it. Embrace was the clearly the best choice when I came back with fresh eyes. The telephone customer service is very prompt and polite. The emails are clear. The Wellness rewards are awesome (I just regret not getting the higher level of wellness rewards--it's amazing how quickly the wellness-related bills add up). I also think that the things that the insurance plans cover are ideal for the consumer and make sense. The only thing I wasn't clear about from the beginning was having to have all the vets that my pets had seen fax over information. Additionally, asking the vet to fill out the form for an accident/illness claim is a little stressful, but I think that all pet insurances ask for this.
5

out of 5

POSTED: | BY: Phillip Z

Really, Really Good

So I never do these review things. I rely on them but rarely fill them out (I know ...). That being said, my dog recently passed after an illness of many months. Almost $9,000 in claims. Embrace - NEVER - questioned anything. Not a chemo protocol, a procedure, nothing. After my deductible they simply paid 90% within a week or two. I did have one of the higher level plans. After my dog died more than one customer service person reached out to share their condolences. It was not cheap coverage but in the end they delivered as promised.

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 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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