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: Audra

Top Notch Pet Insurance

This is my first time obtaining pet insurance. I've heard some not so positive experiences from Vets and other friends about delays or denial of claims and I have to say, not only did they contact me within 2 business days about my first claim but they've already mailed my check for the entire wellness exam. I have not set up the direct deposit yet but I'm very glad to have that option which I'll take advantage of after writing this review.The only thing that would make this experience more perfect is if the Vets would work directly with insurance companies like Embrace that maintain excellent reviews by their customers!! Thanks Embrace for making a difference and setting the bar!
5

out of 5

POSTED: | BY: Althea Johnson

Novice Dog Owner

I have achieved my dreams of adopting a Toy Yorkie. After reviewing the many dog insurance policies out there, I chose Embrace. The ease of submitting her first routine claim was covered at 100% per the annual policy. I immediately received an email acknowledging the receipt of our claim and that they were working on our refund. Approximately a week later, I received a text that my check was on my way for the full amount. Also, I like having the option to have it directly deposited into my checking account. I think I picked a winner in Embrace.
5

out of 5

POSTED: | BY: Rhaysa F.

So far so great!

I enrolled both my chihuahuas in the Rewards Plus plan and the best part is that I was able to use my insurance right away with no waiting time (for wellness). So far I have gotten back way more than I was expecting. I'm skeptical of pet insurance but Embrace is slowly changing my mind about them. So far my experience has been great. I wish they were a little quicker with the claims but they are relatively fast!
5

out of 5

POSTED: | BY: Mina Yindra

A Must Have Insurance, the best there is!

I have sung their praises before but I feel a need to do so again. Embrace is, by far, the best insurance company I've ever dealt with, of any kind. No matter how conscientious of a dog companion you might be, and no matter what perfect shape they're in or how you take care of them medically, some huge expense will eventually happen. This can break a family and make them choose between their rent payment or the appropriate treatment for the dog... with Embrace you don't have to make those horrible decisions. They pay 90% of your vet bills, provide wellness and dental care, for a reasonable annual fee. I have gotten my money back more than 20 times what I paid for it. Even my vet practice is completely sold and recommends Embrace exclusively now! Give it a try.
5

out of 5

POSTED: | BY: Lynda Pejic

Glad Embrace is our pets insurance partner

The customer service is top notch. Quick to get back to you and polite when doing so. I can be a bit too much at times, but the staff is always polite and considerate. Language of the disclosures are not "too legaleez" - I can understand the language. That carries a lot of weight with me. I like it when documents and disclosures are simple to understand.

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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