Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,425

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.
2

out of 5

POSTED: | BY: Kathleen

So far not happy with claim service

I filed my first claim due to my three year old Pug first ear infection. It took over a month for them to apply my claim to my deductible and this is after I had to call them numerous times. At this point not sure if I picked the right pet insurance to work with, I guess we will have to wait and see if this was just a bad month for them or if I get the run around again in the future.
5

out of 5

POSTED: | BY: Jeffrey &

Ella's Bilateral Shoulder Surgery

Rapid Pre-certification Process.Comprehensive Coverage. Care and concern and follow up were very good. Post surgery quick approval process. Streamlined paperwork.
5

out of 5

POSTED: | BY: Kathryn

Amazing Service

This is my second claim from Embrace. The service is fast and reliable and the explanation of benefits is easy to read. I told my vet that they should recommend Embrace and I recommend it to everyone I know who has or is thinking about getting a pet!
4

out of 5

POSTED: | BY: Lori post

Thank you, Embrace!

Claims are very easy to submit. I bring a form with me to each visit. Even though the plan only pays 80 percent of the claim and does not cover medications, I feel every little bit helps. Thank you to the employees who handle the claims for me and for tHe follow-up, it is appreciated!
5

out of 5

POSTED: | BY: Jay Zhe

WONDERFUL

I just wanted to say what a blessing it has turned out to have been to have Embrace.This is the third claim I have filed, and there has never been hoops to jump through or crazy paperwork to deal with. It has gone better than I ever could have imagined, which I am truly thankful for as it seems we may have a long road ahead of us with our beloved Bella. She now needs an MRI done with a neurology specialist because they fear she may have Wobbler's Syndrome. This may end up being a long and expensive process, however, I can rest assured knowing Embrace will be there to assist me along the way! With the potential of thousands of dollars in vet bills on the horizon, I am counting my lucky stars that I purchased this policy the week we brought her home. I would hate to think that I may not be able to provide her the best medical care possible because of financial difficulties! If anyone is "on the fence" about getting a policy, I strongly urge them to do so! This has/is going to be a complete life saver for poor Bella and our family. Thank you so much Embrace!

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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