Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,679

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: marge seegmuller

very pleased

I am pleased with the quick responses to my questions and the speed at which I was reimbursed. The wellness portion of the policy is a moneysaver as I regularly get preventative meds and exams for my dog, who is a therapy dog and must be healthy for his visits to the hospital and nursing home. I was a little unsure about pet insurance at first, but I am glad I did the research and chose Embrace.
5

out of 5

POSTED: | BY: Samm

is pet insurance worth the cost?

Embrace is certainly a better choice that VIP, which I had for my former dog, a Husky who lived to be 17 1/2.Embrace staff is super wonderful and thoughtful. Embrace will cover inherited breed disorders as well. However, it's expensive; but if my poodle gets very sick, god forbid...so far at 11 yrs plus he's been in amazing health....i know Embrace will be there for that just incase cost of treatment. I have it for the worst case scenario and will keep it for this wonderful white standard poodle whom I adore. my latest claims have been reviewed and the staff has been meticulous and fair! what more could I want from an insurance provider unless they're non-profit.
5

out of 5

POSTED: | BY: Jana Hope

Embrace is wonderful

Our very active young CBR recently pulled up a rear leg and stopped using it. We found one of her toes was very swollen and the nail was split. Her vet was sure the toe was broken. Fortunately it was not broken, but was infected.I filed a claim and when I received a response, noticed one prescription was not included. I called and spoke with the nicest rep who quickly found the problem and took care of it. Whenever I have contacted Embrace, about anything, they have always been courteous, pleasant, and upbeat. It is nice and much appreciated!
5

out of 5

POSTED: | BY: Sandra Thompson

great service and reliable

I started with Embrace 2years ago with my Toy Fox Terrier when he was 3mos. So far he has only required Wellness coverage. I have the Veterinarian complete the form and I fax it with the bill.I have chosen direct deposit and it seems to go like clockwork. It gives me great peace of mind to have this coverage and I would recommend Embrace to anyone with a pet. Wish I had done it with my last dog whom I got at 7yrs and just assumed it was too late.
5

out of 5

POSTED: | BY: Michelle Brooks

They cover everything, including prescriptions

They are thorough and want proper documentation, but as long as all your ducks are ina row, the coverage in exactly what they say it will be.
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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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