Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,183

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: Timothy Czarnecki-City

First time with Embrace

I have had VPI insurance in the past. After review of Embrace and VPA I am so happy that I choose Embrace for my 10 week old 2 lb. Chihuahua/Pomeranian. I have never had such quick response when submitting the first vet visits for Zoey.
5

out of 5

POSTED: | BY: Jill bigart

Newly insured

I have never had pet insurance before and so far I am impressed. I asked my Vet what she thought about Pet insurance and she said in the 10 years she has been in business she has seen only two cases that paid. She has brochures in her office from another company. This may change her opinion. Keep up the good work Jill
5

out of 5

POSTED: | BY: Elaine Berg

Finally! Insurance for alternative care!

Embrace has been extremely responsive in not only helping me choose the right type of insurance for my pup, but in paying claims quickly. Whenever there has been a question as to coverage, a simple phone call - to a real person - immediately gets me results. I am so thrilled to finally be able to have pet insurance that covers alternative care. I use homeopathy and chiropractic, to name a few modalities, and Embrace covers it! I am also pleased that we are covered for all types of emergencies, and the cost is exceptionally reasonable. I have recommended this insurance to anyone who is looking!
5

out of 5

POSTED: | BY: Gerard E.

recommend very highly

We have only had our new puppy for a few months and when we first got her my son-in-law told me about Embrace Insurance.We looked into other insurance companies and decided to go with Embrace. I didn't know that a puppuy had to have so many shots to keep it healty and I didn't realize how expensive they would be. Thanks to Embrace and the kind service we have received it has made everything so much better.The service and information that we receive from Embrace has realy made us feel good about this company.I would like tosay to you that this is a company worth having on your side
5

out of 5

POSTED: | BY: KD

So far so great!

I recently switched to Embrace from VPI because I was discontent with the low reimbursement levels at VPI. I love in CT and our veterinary services cost more than the "national average" that VPI considers. Embrace's reimbursement process is so straight forward. I send my first claim in yesterday and I heard back in 1 day that my check is being sent. They even offer direct deposit.
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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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