Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,754

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: Alex Cudaback

Fair and Fast

I wish my family's insurance worked as fairly and quickly as Embrace does for our dog Nacho! Seriously, through a rather scary time working out some early potential hip dysplasia scares Embrace has always said what they were going to do, namely helping us through the difficulty of an already trying time. Every claim has been responded to quickly and the decisions explained clearly and fairly. Never having purchased pet insurance before, I've quickly become a convert to the benefit.
5

out of 5

POSTED: | BY: Diane

Wellness and follow up illness

I have had this insurance for wellnes and illness for almost 3 years and am very happy. This claim was for canine distemper and follow up anal infection. Claims are processed unbelievably fast and checks are in my mailbox within a week. I highly recommend the higher wellness plan, it is definitely worth the money.
5

out of 5

POSTED: | BY: M.Fisher

Good customer service and coverage!

We've had the policy enforce for a long while now and unfortunately have now had to submit a claim. I called customer service with some questions and they were very patient and helpful. The claim process was easy and they reimbursed 65% of the claim.
5

out of 5

POSTED: | BY: Rachael Lastoff

Love the Wellness Plan,Wish they covered older dog

After spending over $15,000 last year on Vet bills, we finally decided to buy insurance. We researched every company and settled on Embrace because of their Wellness option. We have two Pugs, one 5 and and one 7. Unfortunately, our 7 year old could not get illness coverage, only accident coverage due to his age so we did have to take out a separate policy for him with another company. But the fact that they cover medications, nail clippings, teeth cleaning, flea and tick treatment, etc really sold us. We submitted our first claim flawlessly and received our reimbursement within a week which was great. I highly recommend, especially for a young pet.
5

out of 5

POSTED: | BY: Laura

Easy, quick, and helpful policy and process!

I submitted a claim for a broken tooth that was found during a routine cleaning. My schnauzer's tooth had to be pulled and many meds were given during the procedure. I was not sure it would cover the expense becaue it was tooth related but it reimbursed me 95.00 which was appreciated since the total bill was 615.00. Any help I can get with vet care cost is great! The process for filing a claim is very easy and I appreciated the quick response in an e-mail.

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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