Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Julie Scheidegger

Happy Customer

This is the first time I have used any type of pet insurance, so when I had to file my first claim recently, I was a little nervous. Happily, Embrace worked exactly the way it was supposed to. I paid my annual deductible and 20% co-pay and Embrace paid the rest. What a relief! Also, having Embrace enabled me to go ahead and allow the vet to do a recommended blood test to rule out the possibility of our dog having a more serious illness. Without Embrace, I don't think we could have afforded to do right by our dog. Instead, we would have had to put off the blood test and waited it out, hoping that everything would turn out okay in the end. In short, Embrace was easy not only on our pockets but also on our minds!
5

out of 5

POSTED: | BY: Joanne Marshall

great service

We are new to pet insurance and Embrace answered all our questions promptly. Very imformative and caring, prompt service.
1

out of 5

POSTED: | BY: David Longmuir

Nothing is covered

I pay $67 per month for coverage. When I took my German Shepherd in for an injury (dog was limping), the only thing covered was the nail trimming I got, as an after thought. I can put the money for premimums away myself and probably have a very large surplus at the end of a year. I'm very disapointed.
5

out of 5

POSTED: | BY: Linda Lynch

Unbeleivable!

I just received an email from this great company! What a surprise. They reviewed a claim that I had on my Goldendoodle and her ear infection without my asking and found out they owed me an additional 51.00. Considering I had been with another insurance company prior to switching to Embrace 3 years ago that was a nightmare, this company has the most outstanding service and caring that I cannot say enough. Of all services that we pay for every day, I believe this is one of the best companies I have ever dealt with.
5

out of 5

POSTED: | BY: irina gruboy

superb services!

great communicationtimely response to inquires fast claim processing strongly recommend to all pet oweners

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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