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: DJW

Thrilled Again

Although things were difficult, Embrace was more than willing to listen to an appeal and recongonize the ommissions in the original assessment. I am thrilled that Embrace took the time to review and get needed documentation ultimately resulting in providing coverage for our sweet boy. I am happy with Embrace and the coverage they provide for this expensive medical condition our Tucker has.
5

out of 5

POSTED: | BY: David J

Efffective response to my Claim

I was so pleased with processing of my claim that I have already recommended this company to several other dog owners. The only criticism that I could make would be the time it took. However, they kept me informed via email.
5

out of 5

POSTED: | BY: JN of

"Real" People respond.......

a phone call..or an email is responded to quickly with courtesy and the Embrace staff resolves any questions or concerns one might have. I have been lucky so far to not need serious medical care for my three year old mix breed dog , only wellness visits to the vet... But I think the annual "Wellness Package" provides a nice savings ($50.00) for annual meds and checkups..
5

out of 5

POSTED: | BY: Tara L

Satisfied Customer

This is my first pet and my first time shopping for pet insurance. I am writing as the time constrained novice that I am to say that Embrace has been quick and simple to use with easy to complete claim form. The policy options were easy to understand and what I like best is the check that I received so promptly as reimbursement for my puppy's well care. Thanks Embrace for your wonderful service thus far. Louie and I look forward to a long, healthy relationship with you.
5

out of 5

POSTED: | BY: Amy

Embrace has been very fair and responsive.

I have friends and colleagues who have used other pet insurers and have cancelled policies because the insurance did not cover enough issues and/or did not reimburse claims the owners thought should be covered under the policy. Or because it was just too difficult to deal with the insurers. I've had no such issues with Embrace. I work in the pet field and recommend Embrace to my clients.
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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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