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: Hayes

Complete Satisfaction

After several years with VPI I didn't think it could get any better. However, EMBRACE really puts the cherry on-top of that oreo shake. Using the well-ness program and getting the refund for rendered services has never been so completely satisfying. It's a great deal, I get back what I pay in, and it's quick and easy! Complete Satisfaction :)
5

out of 5

POSTED: | BY: Randi Casey

Domino was diagnosed with diabetes, then CATARACT

We rescued Domino 2 years ago as a healthy senior, and as a first time pet owner selected embrace insurance. i hoped it wouldnt be necessary, but he developed diabetes and a heart murmur after a year or so. The bills weren't bad, hardly over my deductible until recently. He developed cataracts, and was almost blind within 3 weeks. We had the best vet care, and did a predetermination with embrace to see if his surgery was covered. it was and we were able to go forward with his surgery! The reimbursement process was fair and quick!
5

out of 5

POSTED: | BY: Barbara and

All you can ask for

Our Lucy needed emergency treatment on Christmas Day! We took her to a local pet emergency room. We did not think to bring any insurance forms or information with us. All we did was submit to Embrace our claim form and they took care of "filling in the blanks" for us. They contacted the hospital directly and kept us updated on the status before we even asked. The coverage we purchased is the coverage we received; no questions asked. If only they offered insurance for people!
5

out of 5

POSTED: | BY: mary schneider

Fanastic company!

I read about Embrace Insurance on a breed specific forum on the net. Every single person recommended Embrace, and said how wonderful the company is and how kind, and courteous the employees are. Plus the benefits out shine any other company. It is well worth the cost. So far, I have had no issues with my dog, but I have the comfort of knowing that if I do, I will be covered like no other company!
4

out of 5

POSTED: | BY: Sharon Ali

Great insurance

My claims were handled within a few days after they were received.
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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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