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: Sarah

Highly Recommended!

I have had this insurance for almost two years now and I have nothing bad to say. I love the great customer service and the personal emails (even if they are computer generated). The claim did take a but longer to process this time compared to previous ones. My only disappointment would be that I was unaware that I didn't have prescription coverage...my fault for not remembering. I was under the impression it was covered as part of her accident and illness coverage.
5

out of 5

POSTED: | BY: nina thomas

exactly what i was looking for

Past experience with a sick dog has taught me the necessity of pet insurance, it is the last thing we think of on our budget but taking care of our pets is important.
5

out of 5

POSTED: | BY: Jeff Anderson

Simple and easy

This was our first claim submitted through Embrace. The process was easy, notifications were timely and the process was very well run. Great first experience!
5

out of 5

POSTED: | BY: Jazz and

A company that does what it says it will do.

These are good business people and good pet people. They are helpful with claims and questions and we recommend them to whomever and whenever possible.
5

out of 5

POSTED: | BY: Tanya Osborne

Wellness Rewards Benefits

First of all I'd like to say that Embrace Pet Insurance has provided me great customer service! My first encounter with Embrace Pet Insurance was in March 2011 with Tenisha Lovelace. She not only took the time to explain the different benefits available, she also answered ALL of my many questions so I would have a better understanding how pet insurance works since:-.) I did not enroll in the Wellness Benefits rewards at the time, but did so March 2012 and it is a great benefit to have! I was reimbursed for Ziggy's office visit, vaccines, advantix II, and heartgard plus! I spent total of $400.00 and was reimbursed $400.00, which is the maximum annual wellness rewards benefit. I would highly recommend Embrace Pet Insurance to all pet owners!

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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