Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Bev McEvoy

Great company, great service, no "small print"

I have had Embrace Insurance for 4 years. I have 2 Kerry Blues , one senior (10 yo) and one youngster (now 3). My older dog has developed many medical problems due to ageing, and the youngster is a spitfire who is a daredevil jumping fences, out windows, you name it. They both have sustained medical and surgical injuries so often I know the vet staff like family. Embrace Ins has been wonderful, reimbursing every claim in a timely manner, communicating every transaction, and if there was ever a question it was resolved immediatley with one phone call. No "I'll get back to you later".. great staff. I will continue to use Embrace and recommend it every time at the Vet Office (which is often!)
4

out of 5

POSTED: | BY: Sherre Weeks

Great Company!

I have just signed up for a second year of Embrace Pet Insurance for my two Australian Shepherds. I was impressed with the company from the very start because they agreed to cover my older Aussie (5 at the time) who had Valley Fever. They will not cover the Valley Fever, but have covered all other health issues and meds for both dogs. Reimbursement is always fast. Thank you Embrace for giving me the opportunity to give great healthcare to my dogs without worrying about the price tag.
5

out of 5

POSTED: | BY: Katie

Awesome!

Embrace Pet Insurance has been outstanding! I have received so much help, assistance and money back. The $30 I spend every month is SO worth their coverage. My dog is severely alergic to where I live, and the testing I have done with her throughout the last year has been expensive. Every time I take her to the vet, I receive an email that the claim was submitted and then shortly after, the amount of money I will get back with a thorough explanation of what was covered. I am a busy career woman, and so having everyting via email--instead of paperwork and calling--is amazing for me. I strongly recommend Embrace; in fact, I would not go elsewhere!
5

out of 5

POSTED: | BY: M. R.

good experience!

We submitted our first claim within 2 months of starting of our policy with Embrace. The claim was handled quickly and efficiently, customer service was great, and everything ran as advertised. We are off to a good start!
5

out of 5

POSTED: | BY: April Leonard

Wellness Reward Benefits are great!!!

We got both of our puppies examined and vaccinated and it was all covered under our Wellness Rewards Benetifs program! No other pet insurance company I found has a program like this. It's really great and I would highly recommend getting it....especially if you have puppies!

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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