Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Nikki

Couldn't be easier!

Our dog ingested some pork chop bones and we had to take him for some xrays. Thankfully he was able to pass them and just had to take some medicine for his stomach for a week. This was the 2nd time we have used our Embrace policy and it couldn't be easier. All I had to do was have our vet fill out part of a form and then email that along with his paid bill to Embrace and they handled it from there. Within a day I had an email saying they were working on it and in just a couple more days I was told the money would be direct deposited for me. They have expressed there concern for our dog and are always more than friendly. I would recommend them to anyone.
5

out of 5

POSTED: | BY: Carole Johanson

Peace of Mind

When our 1 year old Frenchie started vomiting blood on Christmas Day, we felt we had no choice but to get him to the Emergency Vet Clinic in our area. Embrace never questioned this decision and paid our claim promptly. Pets really do come first with Embrace, Oliver is fine now, but knowing we have this insurance gives us great peace of mind for Oliver and for our 5 year old Boxer's health care.
4

out of 5

POSTED: | BY: Vladimir Salita

excellent service

so far it is very good service, fast claim handling, keep their promises.
5

out of 5

POSTED: | BY: Jason

Infinitely better than VPI

Had a lot of difficulty getting VPI to reimburse for anything, even with two different illnesses in my dog. Friend and veterinarian suggested Embrace. Fast, helpful, and courteous customer service. Quick claim reimbursement turn around with option for direct deposit. Very happy with Embrace.
5

out of 5

POSTED: | BY: Joseph

Embrace is simply the BEST !

My dog had been diagnosed with Medial Patella Luxation and the vet informed me that she needed surgery to correct it. My heart sank as I felt so bad for her and I was also worried about the expense. When all was said and done I paid $6268 to the Animal Hospital. As with any insurance claim ( car, home owner, etc. ) you worry how much you will actually get back and how long it will take. Embrace paid everything (80%) they were supposed to and settled the claim in about a week . I cannot say enough good words about this company. The customer service reps are great , and they keep you informed every step of the way. Embrace far exceeds my expectations.
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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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