Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: Michelle E

Wish my insurance customer service was this good

Been with Embrace for several years and have always had great service, this company will work with you as best it can to cover as much as it can. I highly recommend Embrace.
4

out of 5

POSTED: | BY: Ken

Very professional

The Embrace you staff were very prompt and regular with communication about my claim status. So, even though turn around time was a bit slow, there was never a time when I was out of touch.I would recommend anyone deal with these folks.
5

out of 5

POSTED: | BY: Julie

Highly recommended company!!

Our dog is only 18 months and sometimes we think of him as a "lemon" because of all his issues, but thanks to Embrace we are able to get all of his needs met. We have the accident and illness policy and Embrace's low monthly rates really pay off when the large unexpected vet bills occur. Their customer service is superb and they always correspond in a timely manner. We are very happy with the service and reimbursement that we have received thus far with Embrace and we would definitely recommend them.
5

out of 5

POSTED: | BY: Bettina S.

Buying an Out of State Pet Insurance Policy

While I was researching Pet Insurances I was very hesitant about buying an out of state insurance policy , but this one has not disappointed me at all. I highly recommend Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Gayle Dana

Great Job Embrace!

My 1.5 year old Leonberger, Zoe, had a slight, but persistent limp for a number of months. I had her examined by both my regular vet, and a holistic vet, and they could not find anything wrong. Both vets recommended seeing an orthopedic specialist, who did a thorough exam and Xrays. He determined the problem was in her shoulder (fortunately not OCD - Osteochondritis disicans, but most likely a small tear in her shoulder capsule). He recommended a month of laser and physical therapy (underwater treadmill), 2x a week (along with reduced play time with other dogs). This helped solve the problem...limp seems to be gone. Embrace covered all the above treatments! 2012 is my second year with Embrace. My experience with Embrace in 2011 was so good (coverage, customer service, claims, reimbursements) that I enthusiastically renewed for 2012. This year I decided to also sign up for the wellness rewards, as it is a great deal financially, and incentive to keep up on wellness practices for my dog. Great job Embrace! I highly recommend Embrace.
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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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