Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Joseph

Embrace is simply the BEST !

My dog had been diagnosed with Medial Patella Luxation and the vet informed me that she needed surgery to correct it. My heart sank as I felt so bad for her and I was also worried about the expense. When all was said and done I paid $6268 to the Animal Hospital. As with any insurance claim ( car, home owner, etc. ) you worry how much you will actually get back and how long it will take. Embrace paid everything (80%) they were supposed to and settled the claim in about a week . I cannot say enough good words about this company. The customer service reps are great , and they keep you informed every step of the way. Embrace far exceeds my expectations.
5

out of 5

POSTED: | BY: Jennifer

Quick and easy reimbursement

As first time dog owner, it is also my first time to get health insurance for my pet. I have an 11-month old Golden Retriever. He's young and in perfect condition but maintaining his good health could get expensive. I get him yearly supply of K9 Advantix (flea and tick prevention) and Panacur-C (dewormer) and take him to the vet annually. This is also the same year, we decided to get him neutered. Coincidentally, he had some eye infection at the beginning of this year after his stay with dog trainer. Embrace Insurance made the process easy. I just fax them over the claim form with invoice and viola 2-3 days later I get my reimbursement directly to my bank account. They email me the result of their review within the next business day. You can enroll for direct deposit, check status of your claim and email them your questions and they rest assured you get a prompt and courteous response. So far, I made 3 claims and I'm happy with the service I am getting.
5

out of 5

POSTED: | BY: Aaron

Surprisingly ideal

I was pleasantly surprised by this insurance. Initially there is some work you need to do to get everything running smoothly, but once you do it, it all pays for itself.
5

out of 5

POSTED: | BY: Danielle

Great experience so far

Researched the 3 top pet insurance companies that were referred to me. Embrace seemed reasonably priced and I didn't feel confused by weird terms. They were great with reimbursing me for wellness although I maxed out after just two visits. (NYC vet prices are pretty high). I did have minor billing issue but their customer service department was very quick to respond and settled it immediately. So far so good.
5

out of 5

POSTED: | BY: Nataly H.

Really Good Pet Insurance

My kitty was in a bad condition on Christmas Day (2013) and needed major surgery for bladder stones. Some people laugh at me when I tell them that I have pet insurance, but I am the one that is laughing last! I was with another pet insurance company prior to joining Embrace and let me just say that Embrace is FAR better. There are different tiers you can choose, but I chose the higher one with more coverage. Sure I pay more a month, but it worth it in the end, especially for surgeries, unexpected illness, or overall wellness care. His surgery cost over $5,000. Embraced reimbursed me for most of it!!!!!!!!!! Also my claims turn-a-round was fast. If you are currently shopping for pet insurance, I highly recommend 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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