Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Chris Cunningham

So glad to have Embrace

I have a 1 year old Great Dane and have already put in 6 or 7 claims with Embrace. While a couple were rejected due to a pre-existing condition, having the insurance has still paid for itself many times over. Their website and claim specialists are always extremely helpful providing status on a claim and they are very prompt when sending claim payments that have been approved. I am extremely pleased with Embrace and would recommend them to any other dog or cat owner.
5

out of 5

POSTED: | BY: Karen VanBrunt

I can't believe it was so quick and easy.

My sweet Quincy had a scheduled appointment to be neutered. Everything work out perfectly and now he's back to old self playing and causing trouble with his older brother Charlie. I found submitting my claim forms to be so easy and quick and was utterly surprised at how quickly I received my refund. I made a good choice when I researched and select Embrace for my pets insurance coverage.
5

out of 5

POSTED: | BY: April

Embrace is the BEST for wellness

Thank you so much for the excellent Wellness coverage for my kitty Wyatt. The coverage made it possible to get Wyatt the care he needed for his dentist visit.
5

out of 5

POSTED: | BY: Linda B

Again, thankful for Embrace

A sudden aggressive lymphoma/hypercalcemia took my rescue, Sophie Ann two days before Christmas at the young age of 5. This sweet girl came from known abuse and neglect yet was the most gentle of all the Danes in my life. Knowing I had her covered medically with Embrace softened the blow, made this incredibly difficult time a little more bearable. She had the needed definitive medical testing and then the home supportive care to keep her last days comfortable. ---- I have been "burned" by two past insurance companies, but now feel most reassured having my big dogs on Embrace policies. Thank you, Linda
5

out of 5

POSTED: | BY: Stephanie

Incredible company

I recently switched my dog from VPI to Embrace and couldn't be happier. We are still new, but so far this has been the easiest company to navigate. Without going through an endless automated telephone maze, I can call and speak with a real, friendly, enthusiastic person who can answer my questions. Nobody likes dealing with insurance companies, but I have had nothing but positive interactions. They even told us when our vet's fax got cut off so we wouldn't lose any time submitting our initial health review. I get quick, attentive responses, and direct deposit reimbursement for wellness claims (easier than submitting a rebate - and so much faster). As a physician, I only wish that human insurance companies would be this easy to work with. We have not had any injury or illness claims to submit so far, but I anticipate they will be just as helpful.

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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