Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: C. Morales

Awesome C.S. & covered 80%

I have to say Embrace Insurance has been the best pet insurer I've ever had. My claim was reviewed very quickly and was very surprised to see how much Embrace paid for Kimmie's surgery.....they paid 80% and that saved a good amount of money. Thank you Laura Bennett for checking up on how things were going and making sure that I received my benefits. My apologies for this coming late. Thanks again for Embrace insurance and staff for staying in touch.....I definitely recommend Embrace Insurance to anyone.
5

out of 5

POSTED: | BY: Jennifer

Impressed

I previously had pet insurance for my dog through VPI, they were ok, but there was hardly any communication only when my policy was due to renew. I switched to Embrace last year and very happy that I did. I get email updates quite frequently which I like. They are very friendly and helpful and quick with my reimbursements for claims. They also contact my vet personally if they needed any information. They are also very fair, wellness rewards are great too. Keep it up! Thank you!
5

out of 5

POSTED: | BY: Kirsten E

George Michael swallowed a rock :-(

My dog George Michael swallowed a rock that got stuck in his intestines. He had to have surgery to have it removed. I submitted my claim form and receipts on March 10th, and my reimbursement check was issued on March 18th. To me, that is amazingly quick. The very best thing about this claim and each of the claims I have submitted is that there are never any surprises. Everything I expect to be covered is covered, and Embrace personnel are always quick to communicate.
5

out of 5

POSTED: | BY: Kathy Hoffman

Embrace Came Through Again

I am so pleased with the Embrace policy I purchased for our dog, Tucker. I found a mass cell tumor on him and had it removed. I faxed two claim forms (initial exam/fluid draw; surgery) to Embrace on March 13th and received confirmation that they had received them. I received an email this morning advising that the claims had been paid and I would be receiving a check. No delays, no questions. This following another two surgeries he had at the end of last year. I am so happy I went with this company when I was researching insurance for Tucker. If our other dog was a little younger and could be accepted by Embrace, I would switch her over to this company in a heartbeat. I am very, very pleased.
5

out of 5

POSTED: | BY: Walt

Great and easy service for my first claim.

Bought insurance for my dog mainly to cover any big issues that hopefully never come up. Submitted first claims and it was dealt with easily, quickly, and with no issues and applied towards my deductible. Couldn't ask for more.

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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