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: Jeanette

So happy with this policy!

I have an older dog insured under Pet Plan who seems to reduce the payments a lot, and deny some amounts as not covered. Not with Embrace, I have my 16 week old puppy enrolled in Embrace with Wellness and couldn't be happier with the service and quick turn around!
5

out of 5

POSTED: | BY: Pam Lewis

No regrets!

So far, every interaction I have had with Embrace has been positive. I appreciate having a "real person" to communicate with even if it is via e-mail. My dog was recently treated for an ear infection and also for fire ant bites on her paws that became very inflamed and painful for her. Turn around time on her claim was very good, and some things were covered under her wellness plan that I hadn't even expected to be reimbursed for.
5

out of 5

POSTED: | BY: Travis

Wellness Claim for Ortho Exam

Embrace promptly responded to and sent payment for my Wellness claim for my dog's Ortho Exam. I think I received the check in about a week of sending the claim in. The Wellness program is a great deal, especially during a puppy's first year (when I will be neutering and chipping him as well).
5

out of 5

POSTED: | BY: Christina

Quick Service

We were very pleased with how quickly the reimbursement checks arrived for our pets services. The process could not have been easier!
5

out of 5

POSTED: | BY: Sue

Fantastic Wellness plan!

I took my dog to the vet for his yearly visit and heart worm/flea meds. I submitted the claim and received the check within about 10 days. I would recommend this plan to everyone who has Embrace insurance. You get more back than you pay for the coverage. What could be better than that!
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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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