Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,369

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: Maureen Briggs

Speedy and professional claims handling!

We recently submitted a wellness claim (prescription dog food and meds) and a dental rewards claim (prophylaxis) for our 6-year-old Nova Scotia Duck Tolling Retriever.We inadvertently submitted both claims on a single claim form. Not to worry. The folks at Embrace quickly split out the two claims and we received checks for both soon thereafter. Couldn't ask for a more professional staff. Thanks, Embrace!
5

out of 5

POSTED: | BY: John

Good Insurance

They have always paid each claim.. The only part I don't like is having the vet certify each one.. That gets old.. But Embrace is always willing to help with the process.
5

out of 5

POSTED: | BY: Lady Bug

Awesome!

Courteous staff & excellent turnaround time regarding claims. I received decision very next day via e-mail (after claim submittal). Thank you to the Embrace Team!
5

out of 5

POSTED: | BY: Sharon &

Thank Goodness for Embrace!

When we purchased Annie, a Golden Retriever puppy about 3 years ago, we decided to take out insurance as well since Goldens were infamous for hip displacia. We weren't even sure we could get insurance for displacia but Embrace specifically provided coverage. Since then we've had a number of claims including a torn ACL requiring surgery which Embrace has very satisfactorily covered without question. Their responders have been wonderful, friendly, helpful and solicitous of Annie's condition when she was going through surgery and recovery. We have recommended Embrace to everyone who would listen including the surgeon who operated on Annie's torn ACL (he didn't have any Embrace brochures in his waiting room - now he does.) Thank you Embrace.
5

out of 5

POSTED: | BY: Susan Strauss

The best service and the quickest

I only used Embrace once when My other schnauzer passed away. Embrace reps were so so nice and helpful. I have since got another schnauzer and used the wellness plan and again the experience was great. Times are tough and its great to know you can properly take care of your pet thanks to embrace I always talk about them and I have referred them and will continue to do so. Thanks Again
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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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