Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,380

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: Maria L

Love The Direct Deposit...

Thanks Embrace. I am very happy with the direct deposit option you offer. It is faster than having to wait for a check in the mail. Thanks for the quick response to my claims...
5

out of 5

POSTED: | BY: Amy

Well Worth It In Emergencies!

Having pet insurance really eases my mind when either of my dogs are sick. I now don't hesistated if one of them is sick, I know it will be covered and I won't end up spending thousands!
5

out of 5

POSTED: | BY: Lizzie

Very happy

My dog has had Embrace insurance for about three years now, and I haven't had a claim up 'til now. I felt like it was taken care of quickly, despite their warnings that they were backed up at the time, and everything was very smooth. I didn't feel like I had to jump through too many hoops, the claim process was relatively painless, and the reimbursements came through as promised. No surprises when it came to the deductible, co-pay, or what was covered. Very happy with my first claim experience.
5

out of 5

POSTED: | BY: DJW

Great Coverage

I have Embrace Insurance for my 4 dogs and so thankful I do. Embrace has been wonderful and enriched benefits for our loved pups. The Wellness coverage is wonderful and for Illness -- it is PRICELESS. Embrace is a great provider, wonderful customer service, wonderful coverage!
5

out of 5

POSTED: | BY: Karen Dion

Great Company and Program

After having 2 dogs who lived with expensive medical conditions (and horrific vet bills), as we got our 3rd dog I decided it was time to get Pet Insurance. After much online research, I choose Embrace - and after only 3.5 months I know without doubt I choose the best pet insurance company possible.In addition to illness and accident insurance, I also purchased Embrace's fantastic Wellness Rewards program. For an additional premium of $300, I have already been reimbursed for the full annual coverage of wellness items - $400. It's an extensive list that covers wellness exams, vaccines, heartworm medications, spay/neuter, prescription dog food, and more. I can't say enough about Embrace, their excellent communications (emails as soon as they receive a claim; an update while it is being processed; and a follow up after the check is mailed) and their outstanding service. I recommend this company to anyone with a pet.
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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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