Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: Rachel Hollingsworth

Easy as Pie

Very pleasant experience and easy as pie to submit claims and receive reimbursements. Luckily they have only been wellness claims so our experience has been very good. This is our first family pet and first experience with pet insurance.
5

out of 5

POSTED: | BY: Cathy O.

Very Satisfied Customer

I have forward my claim to the company and I got the check one week after I sent the claim. I got the whole amount refunded. Thank you very much for your timely response. I will definitely recommend your company to everyone I know that has a pet. Thank you for continuing your great job!!
5

out of 5

POSTED: | BY: Jennifer

Awesome flexibility

It covers everything for my kitties with the wellness planSo glad I chose this company
5

out of 5

POSTED: | BY: Andrew

Fantastic! So glad we had them when we needed them

Our 8 y/o GSD required a total knee replacement. Unfortunately, things did not go smoothly and there were complications (torn ligaments) that required an additional four(!) surgeries - including ligament repair, an allograft, and ultimately a second new knee - over a period of approximately ten months. Needless to say, this was an incredibly expensive and emotionally trying ordeal. All the surgeries, follow-ups, radiographs, etc. cost approximately $20,000. We submitted over a dozen claims to Embrace throughout the experience and they were always processed and paid quickly. Because the process usually went so smoothly I rarely needed to contact Embrace. But the few times that I did I spoke to helpful and caring employees. In total, Embrace reimbursed us our annual maximum of $15,000. When your best friend is ill or injured, the very last thing you want to worry about is money. Having Embrace helped us focus on what mattered most: the health of our dog. As a result of this experience I have enthusiastically recommended Embrace to every pet owner I know. Five of my friends and family have already heeded my advice and insured their dogs with Embrace. Our experience is probably best summed up by the fact that my wife wants to bake ‘thank you cookies' for all the Embrace employees!
5

out of 5

POSTED: | BY: Mark Bram

Quick and easy

I have Embrace insurance with the wellness program. Buddy, my cat, had his annual checkup on Monday. It's Friday and I received an email that a check for the total cost of his checkup was issued and that I would receive it in 10 business days...painless

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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