Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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: Ellen Tanner

The simple claims process helped us

Losing our dog to cancer was very sad. It would have been difficult to complete to claims forms if the process had been complicated. Embrace made the process simple and offered condolences. We miss our boy very much, but taking care of details without extra steps and with kindness makes the difficult situation a little easier.
5

out of 5

POSTED: | BY: Karen Mcgill-Konezney

The BEST Customer Service

We submitted the receipts and Embrace kept in contact with us through the entire process. The money for our claim was promptly put into our account and was much appreciated.
1

out of 5

POSTED: | BY: Shauna Nicosia Allison

They do not respond to emails I sent…

They do not respond to emails I sent several never got a response. I finally had to call to cancel the policy. I got the policy and sent all my dogs bloodwork he had nothing wrong. He was acting funny so I went to another Dr to see if there was anything wrong. It was a diagnostic test. Still came back no issues currently other than a heart murmur. They refused to pay for the diagnostic test and told me any and everything that they were testing for if it ever became wrong with him they wouldn’t pay for that either. He
5

out of 5

POSTED: | BY: Suzy Fitzgerald

Great company

Great company, super easy to submit claims!
5

out of 5

POSTED: | BY: Cathlyn Daly

Embrace pet insurance is a must for pet owners

My five cats are between 2-5 years old. I didn't expect them to have any health issues until they were much older. However, I knew pet insurance was a wise financial choice and my investigation into insurance providers resulted in choosing Embrace. As it turned out, I needed to seek emergency medical care for three of my cats over the past two years. Hospitalization & follow-up care costs totaled over $5,000. Since I was able to get immediate and excellent care at UC Davis Pet Hospital, two of my cats have completely recovered. The third cat is currently undergoing treatment. Pet insurance allows you to seek care for your pets without financial concerns. It is a wise financial decision. Embrace's customer service is outstanding. Submitting receipts on the website is very easy. Reimbursement happens quickly.

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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