Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Sutton

Wellness Rewards worthwhile

My experience with using the Wellness rewards has been positive. The process is simple and the response has always been prompt. One time a Bath Service claim I submitted was denied. When I enquired why, the Embrace staff took the time to determine that the nail clipping portion of the service was indeed eligible. So far, we haven't had an illness claim, but I am so pleased to have the insurance and confident all will go smoothly.
5

out of 5

POSTED: | BY: Steven

Extremely quick reimbursement

Embrace is an amazing pet insurance company; with extremely quick and convenient reimbursement methods. Zero gray area on coverage, totally worth every penny.
4

out of 5

POSTED: | BY: Erica Johnson

I appreciate the coverage

My claims do get paid! But I find that they consistently are slow to get it done. I have had several letters telling me "we'll get it done, sorry, this is not like Embrace!" Well, apparently it is, since I get these letters every time. My dog has been in multiple times for blood and stool work ups, so although it's not one big claim, they're adding up, and I need my refunds.
5

out of 5

POSTED: | BY: Susan Graham

You guys are great !

You treat the pet owners & pets like they are family ! So genuinely compasionate ! My dog goes to work with me and just today someone said "I'd love to get a dog but the vet bills are so high" I immediately said "don't you know about pet insurance " and recommended Embrace !
5

out of 5

POSTED: | BY: Patty Roberts

Excellent Pet Insurance in every aspect.

We have had Embrace as our pet insurance since our yellow lab first came into our lives. Marbles early on has had a hip problem and Embrace has been "Awesome" in dealing with our claims for him. We are a military family so we have had to deal with different vets as well as therapy programs for him and Embrace has been with us every step of the way. They are excellent about e mailing regarding any problems or questions be in to us or our vets. We would highly recommend Embrace to anyone.
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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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