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: Meredith

Easy to deal with

I have never had insurance before, but dog had surgery at a very young age. I figured that U might as well get insurance just in case. Well, my dog tore his ACL and meniscus. He needed a TPLO. After asking for a few records from the surgeon and the vet, they processed my claim in about two weeks. Super easy! I will continue to use Embrace.
5

out of 5

POSTED: | BY: Joyce Sisto

Truly People and Dog lovers!

For my other dogs, I had VPI, and I was constantly hunting down my claims, and explaining, over and over again, why I had filed the claim. They were a lot of work. I am so very glad that I chose Embrace for my new puppy. We purchased the Wellness package, And I'm happy we did. Embrace e-mails, and lets me know at what stage the claim is in, and if there is a problem, they actually call the vet, and rectify the issue. VPI would expect me to take care of it. I feel like Embrace is a friend.
5

out of 5

POSTED: | BY: Sally Iden

Thankful for the support from Embrace

To state the obvious, it is really tough as pet parents to figure out what is wrong with your pet. Smart as they are, they still can't talk to us! Our Sealyham has a problem that has been stumping the vets; they all know there is a problem but identifying it has proven difficult even for the experts. Right now he is undergoing physical therapy and seeing a neurologist. He seems better right now and we have our fingers and toes crossed that whatever it is, it is on its way out! Embrace has been right there with us, and I am so grateful that before we bought pet insurance, we did some research and found Embrace. You can bet that I tell everyone at the vet clinics about Embrace. I have also told individual pet owners that their best bet for pet insurance is the company who will tell you up front what they cover.
5

out of 5

POSTED: | BY: Mark Zaplin

Embrace comes through

Excellent coverage exactly as advertised. Follow up great communication
5

out of 5

POSTED: | BY: Sharon L.

Outstanding Claims Service from Embrace

We have had nothing but outstanding claims service from Embrace since we have enrolled our Miniature Schnauzer Dakota Blue into the program. This is for everything from several wellness checkup claims to an illness claim for bladder x-rays and to treat a condition for allergies and for crystallaria, or calcium oxylate crystals in the urine, a breed specific chronic/genetic/hereditary condition for miniature schnauzers which could potentially lead to bladder stones if left untreated. The staff at Embrace was very courteous and answered all our questions, and the turnaround time was also outstanding for claims reimbursement at usually 1-2 weeks or less. In all ways, we are quite pleased with the no-hassle service we have gotten since signing up for the policy for our loved one. Will recommend this pet insurance to everyone.

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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