Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Dave Snyder

Better than Expected

Great options, terrific follow through, and incredible communication from the staff. The investment is paying off not only financially, but emotionally. I know we are in great hands.
5

out of 5

POSTED: | BY: Elizabeth Wagner

Embrace made it easy.

My 2 puppies were just neutered and spayed and Embrace Wellness covered it right away, no need to wait. The forms were super easy to fill out and Embrace follows up with very friendly and helpful e-mails. My claim was paid fast, too, directly to my bank account in about 2 weeks after filing. Fast and easy. Thanks Embrace!
5

out of 5

POSTED: | BY: Linda Olmstead

its been a bad summer!

Have had lots of claims for my two dogs this summer for some strange reason and Embrace has honored all. We are over our deductible so I really appreciate the extra financial help.
5

out of 5

POSTED: | BY: Nancy Hobbs

Hassle free pet insurance

Our 10 year old Berner has been diagnosed with histeocitic cancer. The good news there are treatments that can slow down the progress of the disease, the bad news they are expensive. We have not filed a claim before so I was a little apprehensive about how this would go. I should not have been. The Embrace staff have been prompt and efficient. The checks have been paid out in record time. I'm so glad they are with us in this very difficult time.I strongly recommend them
5

out of 5

POSTED: | BY: Kim Kelley

ZIPPY ZOOM REFUND & SUPER NICE FOLKS

First Claim, excellent customer service, easy, clear and concise instructions to follow, Speedy refund, no hassle. Even the Health History, Orthopedic Exam & Waiver Process and required pre-work was not that difficult to do. As a 3X Great Dane Parent, we KNOW the potential costs and issues with a PureBred Giant Breed dog. We paid all out of pocket on our last two including ICU and surgeries. Not without insurance on this pup! Our young girl Misty is healthy and this was only a Wellness Rewards Claim, hope to not have to use anything more, but keep up the fantastic job EMBRACE! We sleep a bit better knowing she is covered.
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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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