Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,351

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: JN of

"Real" People respond.......

a phone call..or an email is responded to quickly with courtesy and the Embrace staff resolves any questions or concerns one might have. I have been lucky so far to not need serious medical care for my three year old mix breed dog , only wellness visits to the vet... But I think the annual "Wellness Package" provides a nice savings ($50.00) for annual meds and checkups..
5

out of 5

POSTED: | BY: Tara L

Satisfied Customer

This is my first pet and my first time shopping for pet insurance. I am writing as the time constrained novice that I am to say that Embrace has been quick and simple to use with easy to complete claim form. The policy options were easy to understand and what I like best is the check that I received so promptly as reimbursement for my puppy's well care. Thanks Embrace for your wonderful service thus far. Louie and I look forward to a long, healthy relationship with you.
5

out of 5

POSTED: | BY: Amy

Embrace has been very fair and responsive.

I have friends and colleagues who have used other pet insurers and have cancelled policies because the insurance did not cover enough issues and/or did not reimburse claims the owners thought should be covered under the policy. Or because it was just too difficult to deal with the insurers. I've had no such issues with Embrace. I work in the pet field and recommend Embrace to my clients.
5

out of 5

POSTED: | BY: Sasha Lamoureux

After 5 years, no regrets!

We've had Zuzu, our 6-year old Dachshund, insured with Embrace for over 5 years now. Luckily for her, and us, we've only had one health crisis with her requiring surgery. She has been healthy and thriving ever since. We continue to have Zuzu routinely seen by the vet for wellness checkups and routine vaccinations. The great thing about our Embrace insurance policy is that we have an annual allowance of 200$ towards wellness checkups and vaccinations. This is not only helpful to our bank account, who doesn't want to save money? But, it's a great comfort knowing that Embrace cares enough about pets that their policies encourage pet-companions to keep up with routine vet visits and health maintenance care. As always, the friendly, prompt, courteous service by Embrace's claim-handling department personnel is a pleasure to deal with. It's nice that they care enough to ask after Zuzu and send us helpful tips, stories, and other valuable pet information on a somewhat regular basis. If you're not already insuring your pets with Embrace, what are you waiting for? I promise you won't regret it.
5

out of 5

POSTED: | BY: nola

Embrace Insurance Rocks!

They are prompt, very thorough, and keep you up to date through the whole thing. It's well worth the money.

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 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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