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: Janice

Made all the difference in my puppy's care!

I was a new pet owner when I got my puppy in August. I wasn't sure if pet insurance was really worth it. But my vet at our first appointment insisted that it was a good idea over the life of my pet. Well, it's been so worth it and my pup is still only 8 months old. Gia was diagnosed with elbow dysplasia at 6 months old. I had noticed she was limping and that it was worse after playing at the dog park. We got a couple of opinions (all covered by Embrace) and surgery was recommended by everyone. Gia had surgery 2 1/2 weeks ago - arthroscopic surgery on both elbows. But the surgeon found during her surgery that one elbow was worse than we had hoped. He had to do an osteotomy in order to realign the bone. He also recommended stem cell therapy to bring down the level of inflammation that she had been enduring. I got a pre-certification with Embrace before surgery and I can't tell you how delighted I was, not only with their quick response, but also with their "embrace" of alternative therapy. I went into Gia's surgery with a lot more confidence knowing what was covered and by how much - nothing had been excluded by Embrace. The surgeon's office sent the records and bill to Embrace on March 5th and today the 11th I already have the EOB and payment. Embrace is simply amazing! Gia and I will be with them for her whole life. And Embrace employees are great, too - always responsive, very nice and reaching out to show concern for my puppy. I can't give them a
5

out of 5

POSTED: | BY: Barry

Excellent Pet Health Insurance

Embrace paid claims quickly and clearly according to my policy where I chose the Deductible and Copay.
5

out of 5

POSTED: | BY: Irma Gonzalez

Excellent insurance

Embrace staff has answered all my questions and my claim in a speedy manner. I highly recommend them.
5

out of 5

POSTED: | BY: Bonita Hamilton

Fast Claim Processing

Even when I'm grumpy, these people are gracious and patient! My first claim was processed within 48 hours with communication all along the way! Love them.
5

out of 5

POSTED: | BY: Robin Poupard

Nice to know the insurance is there.

We started Embrace insurance 5 months ago. We only have had one incident that would be covered (it went toward the deductable) but the process was very easy. It's comforting to know that we have it for the BIG things!
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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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