Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,292

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: Barry Kwartnik

Great Insurance

Everything about Embrace from the coverage, customer service, reimbursement time etc. has been nothing but topnotch. I'm very happy with my decision to go with Embrace.
5

out of 5

POSTED: | BY: Colleen Court

So happy I bought this insurance

When I first bought my dog I questioned every dog owner I met as to whether or not to buy insurance. I finally had one vet tech convince me that it would be the smartest investment I could make. Well if it was that smartest investment, than the second smartest was choosing Embrace. I did a great deal of research of the different kinds of insurance and compared payoff percentages and ease of claim reimbursements and came to the conclusion that Embrace was the best choice. I have not regretted that decision ever. Embrace's customer service is top notch. They notified me quickly that they received my claim and shortly thereafter notified that my check was on its way. And the amount of the reimbursement was higher than I expected. Knowing that Embrace is helping me tend to my dogs health gives me a great piece of mind that I cannot put a price on. I have recommended Embrace to every person at my dog park and will continue to do so.
5

out of 5

POSTED: | BY: Gwyn Baumgartner

Great Service...Great Coverage

I have been using the Embrace Wellness Rewards. I could not be happier. They pay my claim within a few days...no arguments about coverage. Thank you!
5

out of 5

POSTED: | BY: Mark Steinberg

We, and our dog, copuld not be happier

In this era of bait and switch (or bait and bait and bait), Embrace delivers exactly what it promises, when it promises it. During our first year as customers,our claims, both for "Wellness" charges and for covered problems, have been paid in full and promptly without hesitation or haggling. Beyond these details, I've gotten a sense that the people working for the organization have a genuine feeling for pets. I've been proselytizing for Embrace at the dog park and at my vet (who, at my urging, agreed to put some Embrace brochures next to the VPI display).
5

out of 5

POSTED: | BY: Cheryl Huddle

Always larger than expected refund!

I purchased Embrace Insurance for my Doberman, Sadie, as her sixth birthday present. (What else can you get the "girl" who has everything!) She will be ten in August. I have submitted claims every year and always receive a refund that is larger than I expect. Immediately after submitting a claim, a representative is always in touch, which I really appreciate. I now have a second dog and intend to get him a policy, as well. Great Company!!

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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