Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Robyn Giles

First time buying pet insurance.

I got a new kitten and after having a cat that adopted me and ended up having type 2 diabetes and insulin shots twice a day, I thought I should look in to it. I have wellness on 3 of my babies and accident on my two youngest and I am very happy so far! I fax my bills and they send me checks very quickly- no issues so far, love it and recommending Embrace to my friends and family.
5

out of 5

POSTED: | BY: A.M.

A very good company

A friend recommended I get pet insurance for my new puppy Sofie2. Boy was she ever right! Sofie ended up in the animal hospital for two nights with some sort of gastro problem and the bill after ultrasounds, meds, and nursing care was about $1400! I was so relieved to have this insurance. The company refunded 80% to me without any questions asked. Just provided the documentation and in a couple of weeks received a check.
5

out of 5

POSTED: | BY: Tanya

worth every penny

We purchased pet insurance when we brought our 8 week old english bulldog home. Sadly only 3 weeks later she needed emergency surgery for intussusception. The surgery cost over four thousand dollars to be performed. Having Embrace allowed us to afford the surgery. After submitting the claim, we received our claim check in less than two weeks. I'm so happy that we had Embrace.. Thank you!
5

out of 5

POSTED: | BY: Donna

Very helpful staff

I am always a bit behind in sending in my claims but the staff is always so helpful and responds quickly. I honestly think that is so important in addition to the great coverage for our dog.
5

out of 5

POSTED: | BY: Stephanie

Easy Wellness reimbursement

Simple and FAST Wellness reimbursement!I mailed the bill from our vet for a vaccine, heartgaurd and frontline to Embrace and I had a check in the mail for the full amount in a week! What an easy system- no fighting with customer service reps, no letters of justification… just the service they promised- delivered immediately. I wish they offered human policies!
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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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