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: Sue Iavello

Excellent coverage

I've had Embrace Insurance for two of my dogs since 2009. They were both very healthy until this year. Frankie hurt his back. I have been so pleased with the coverage we have received. The claims have been processed and paid with no questions asked within two weeks of their submission. I used to have VPI insurance and the scheduled payments just didn't cut it. I hardly ever collected anything. I'm so glad I found Embrace. I've really spread the word too. I work at a dog training facility and I'm always bragging about the wonderful insurance I have. Thank you, everyone at Embrace!
5

out of 5

POSTED: | BY: Wendy R

Wellness claims for Golden puppy

Our experience has been great so far with our new puppy. We have only used our Wellness benefits so far and hope to keep it that way! The Embrace team has been very helpful in communicating the status of our claims and answering our initial questions about claims processing. The Wellness benefits have been helpful in budgeting our costs with a new puppy. We've never had pet insurance before but have had goldens in the past and thought we would see if the insurance helped this time around.
5

out of 5

POSTED: | BY: steven &

very satisfied

I had my dog (dachshund 6 months old) sprayed by my veterinarian. I submitted the claim into Embrace and within two weeks I was reembersed. I would highly recomend Embrace Pet Insurance to all my friends who have pets.
5

out of 5

POSTED: | BY: JoJo

No worries....

It may have been a bit intimidating to go thru the motions at first. But, I just have pre-printed forms ready~should I need to go to the vet. The vets are well aware of filling them, quick & easy! The communications back and forth re: claims is a piece of cake. Always easy to understand and I've even called in with questions, only to be pleasantly surprised! So nice to not have to worry about the high costs of vet bills.
5

out of 5

POSTED: | BY: Kathleen Cogan

Quick Response

Submitted our 1st wellness claim and it was processed very quickly. Had other pet insurance and they were slow to reimburse (over a month) from submission. Embrace is a very friendly and customer oriented company. Folks so responsive and helpful.
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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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