Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Libia Busalacchi

Embrace is THE BEST!

After over a year we're still treating our Rottweiler for a severe bout of Hepatitis after ingesting something he shouldn't have. Not only was he in emergency for 4 days when it happened and it cost well over $5000, but he's been on tons of antibiotics and goes to the vet's weekly for his fluids (intravenously). Embrace has not only been so wonderful in processing our claims and reimbursing us quickly, but they have been so supportive and comforting! I had this insurance company with my previous Rottweiler - and will ALWAYS have them!
5

out of 5

POSTED: | BY: Lisa

Quick and efficient service

I was hesitant to purchase pet insurance for my cats because I had heard negative stories. I researched and decided upon Embrace and have never regretted it! They are easy to contact, prompt and very fair.Our Spike developed constipation and some urinary problems. The bill was over $1000. Within a week I received email notice that Embrace would pay everything minus our 20% deductible.
5

out of 5

POSTED: | BY: Ashley Donohue

Wellness Rewards are a bonus!

We've always had dogs and just had to put our doberman down in January so we ended up getting a puppy a few months later & this is the first time we've ever had insurance, I know we most likely won't have any medical issues since our puppy, Zelda is so young right now but it's always nice to know you DO have coverage if something unfortunate were to happen. The Wellness Rewards are awesome - covers everything from vaccinations to spaying, and frontline/heartguard and I know we will definitely take advantage of those during our puppy's first year!
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.

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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