Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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.
4

out of 5

POSTED: | BY: Beatriz Guerra

PEACE OF MIND

Though I've only filed a couple of very small claims for my Lab, Gucci, they have all been paid. I was very surprised on how quickly the last claim was processed - 7 days. Keep up the good work Embrace and you'll be given a 10.
5

out of 5

POSTED: | BY: VWilliams

There when we needed them

One day our 5 year old male boxer had to be rushed to the hospital due too his non-responsiveness. He was diagnosed with a ruptured spleen caused by a large tumor growing on it and was very close to death. That's when he was diagnosed lymphoma and needed chemotherapy. This was an emotionally difficult time for us as it came on suddenly without warning. When we contacted Embrace there was no haggling, just sympathy and relief that everything was covered (minus co-pay) under his plan, even his treatments every week. Now, I can never put a dollar amount on my dogs so whatever we have to do we do, but the cost of his surgery and subsequent treatments was in the thousands and if it was not for Embrace it would of been a terrible hardship. Their courteous and caring staff has made this experience better than I expected. We just have the hospital fill out the claims and fax them over to Embrace and within a week it's in the bank.
5

out of 5

POSTED: | BY: Lois Noel

Great job Embracers!!

My dog, Frankie Rose, is now 4 years old. We have not yet had any emergency situation to deal with (thank goodness!) but I have confidence that any claim we make will be a positive experience. I have received an immediate response by email each time that I have submitted a claim to Embrace for Frankie Rose's annual checkups from the very beginning of my relationship with Embrace Insurance. Any questions I have had have been answered quickly whether I contacted Embrace by email or by phone. Everyone I have personally spoken with by phone has been very helpful. I am very happy that I made the switch to Embrace Insurance when we adopted Frankie Rose.
5

out of 5

POSTED: | BY: Lisa Querido

I did my homework and Embrace is the best

We took our Sophie for her wellness visit and our full reimbursement was in our checking account in less than a week. Everyone we have spoken to has been very helpful and just knowing we have this insurance for her makes us feel a lot less stressed about $ if something big ever comes up (pray it don't)
5

out of 5

POSTED: | BY: Peter

Very Helpful and Understanding

Carrie & Laura are great employees and are very understanding and helpful. My dog went through an ordeal and without their help I would be down and out. Thank you again.

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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