Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,260

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: Michael Helms

Wellness Claim & Illness Claim (Fleas)

I recently had both of my Pomeranian dogs treated at a local veterinary clinic. Wellness visit (annual physical + 2 shots) for Spanky and an illness claim (fleas) on Little Rascal. Both claims were processed and paid promptly. Emails from Embrace kept me informed of the status of both claims. I have used Embrace to insure both of my dogs for over three years and have been very happy with the excellent service and coverage they provide for my pets.
4

out of 5

POSTED: | BY: christina G.

I am a satisfied customer.

Our dog was recently diagnosed with diabetes. So far, all of our claims have been handled professionally, and courteously by Embrace staff. We haven't used up our deductible yet so I can't comment on reimbursement.
5

out of 5

POSTED: | BY: John G

Very happy about first experiences w/Embrace

The Embrace telephone reps were super helpful and didn't push too hard when we first signed up. The company's communications since then have all been clear and straight-forward. I've also found the web site user-friendly. No unfortunate surprises. They processed our first claim quickly, without hassle. So far, so good, Team Embrace!
5

out of 5

POSTED: | BY: Carl

Outstanding company in all respects

Our dog had a pre-existing condition which we feared would be used to deny a wide range of claims over the five years of coverage. Instead, Embrace was true to the policy conditions, outstanding in their handling of claims, very communicative during the process, and most sympathetic when our dog succumbed to cancer. Embrace sets a standard to which all insurance companies -- for pets or people -- should aspire.
5

out of 5

POSTED: | BY: Dyan

What a pleasant surprise!

I wasn't sure about pet insurance but thought I had researched it well enough to make a good choice. Much to my surprise Embrace's reimburesements were fair and quite timely. Great company.
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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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