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: Kerry

Always prompt and responsive

I have had Embrace pet insurance for the past 3 years, we just added a second dog to our family and now have insurance for both of them. Embrace makes it very easy to submit claims and the claims are always processed promptly and the refund goes straight into my bank account within days! I love having Embrace because it gives me the piece of mind not to have to worry about unexpected health expenses for my dogs!
5

out of 5

POSTED: | BY: Karen

Great pet insurance

My German Shepherd was progressively getting weaker in her hind legs, due to arthritic changes in the spine. I have run through the line-up of supplements and pain meds, and now she receives regular acupucture therapy - and it is really effective. She is actually putting back on some muscle mass and is running around like a puppy again!It would be difficult for me to pay for the weekly treatments without my Embrace insurance. The Embrace claims process is efficient and all of their claims examiners have been pleasant to deal with. I would highly recommend Embrace insurance.
5

out of 5

POSTED: | BY: Bob Humburg

Good treatment

Embrace was provided our claim via our vet for Reilly, my Boykin Spaniel. We brought him in for this annual checkup and evaluation. Our vet did the filing for us and we received a proper notice of our claim and acceptance for payment.
4

out of 5

POSTED: | BY: Gina Cataldo

Pretty Good Service

So glad I bought insurance, my puppy is being treated for demodex(puppy mange)he has to get a skin scrape every month, plus be on meds until he has two negative scrapes in a row. Once reaching my deductable it is wonderful to be getting some money back! I've had several claims reviewed some were faster than others as fast as 2 weeks as slow as 4-5 weeks. All and all service is pretty good. Compared to another company I have used before that payed by the condition, this is much better you get back whatever % of the bill you are insured for.
5

out of 5

POSTED: | BY: Heather Zager

Love the Wellness Rewards program

This is like a health savings account for your pet and Embrace executes the plan without flaw! I love that I can send in simple receipts for health wellness visits and be reimbursed. So helpful to my budget!
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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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