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: Valerie Daft

Completely happy :-)

I am very happy with the service and peace of mind i get with Embrace. Everything is very clear and communication is great. I have processed several claims for my two dogs now with no problems.
5

out of 5

POSTED: | BY: Derek Hogaboam

First Claim Submission

We joined Embrace back in July and have had nothing but superb results with them. Unfortunately our dog had to have 2 teeth pulled and within 10 days we had the claim paid. Also took care of her yearly shots. So far all is great and we can only imagine in continuing this way
5

out of 5

POSTED: | BY: Amanda Sprenger

Excellent Pet Insurance Company

Always processes claims in timely fashion with no argument. I have had health insurance on my horses where getting a claim reimbursed was very difficult. I wish Embrace had health insurance for horses! I just had my daughter sign up her Cocker Spaniel puppy. I have a Lab, a Cocker Spaniel, and a Tabby cat insured by Embrace.
5

out of 5

POSTED: | BY: Cheryl M.

Totally exceeded my expectations - get EMBRACE!!!

Dealing with Embrace has truly been a pleasure! All of the material is clearly stated and well-organized. All of the staff I have encountered so far have been so polite, helpful and responsive.....and you all even follow-up - amazing and sooo appreciated!! Claims are paid very quickly - so glad I made the leap and tried pet health insurance! I think the wellness plan is fabulous too!
5

out of 5

POSTED: | BY: Beth

The best insurance EVER

Without a doubt, EMBRACE is the best insurance around. I've had dogs my whole life. My previous dog was an English Mastiff and all that was really available 15+ years ago was VPI. When I finally decided to get another dog I knew I had to look into insurance companies. I also knew there were now many more insurance companies than VPI. I was very dissatisfied with many aspects of VPI and knew I would not use them again. I did a thorough research of all the companies and EMBRACE consistently came up as being the best in all aspects. I've only had my puppy for a little over 2 mths so all she has needed so far, thank goodness, has been routine/wellness care. EMBRACE reimbursed me almost immediately, via direct deposit into my checking account, the exact amount I paid to the vet. In less than 2 mths she will be getting spayed and microchipped. I know I will be reimbursed and be given the same extraordinary service as I have for my routine care.
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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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