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.
5

out of 5

POSTED: | BY: Carmen

Very satisfied

My almost 5-yr-old dog was diagnosed with lymphoma (cancer), and I am very satisfied and thankful that we have Embrace Pet Insurance for accident and illness and prescription coverage. I was relieved that we were able to transfer our dog's care to an oncologist of our choosing, and that Embrace covered the cost of veterinary care according to our policy. Once a claim has been submitted, I receive an email within one day of submission stating that Embrace has received the claim. Claims are processed within 1-2 weeks of submission. I really appreciate the wonderful customer service and professionalism that I've received from the Embrace staff! I am so glad that we signed on with Embrace to help us get the best care for our dog, and I have recommended them to others and will continue to do so!
1

out of 5

POSTED: | BY: Alan

rip off company

takes forever to get cash back and when my dog had a virous and diaria they would not oay for the meds she needed. said it didn't cover ear infections. But the meds where for her back end not front end. Same problem with insurance companys have.Some one that doesn't know whats going on. We will give people some of the cash and they will be happy! No wonder why people get lawers.Sorry about spelling ,i'm to upset!
5

out of 5

POSTED: | BY: Laura

Great coverage

Have had Embrace since 2006 & have never needed it until this past Aug when my 10.5 BC Keegan suddenly came up lame on his back right. Took him in & they thought psoas strain, followed their instructions & was better. Vet ok'd him for more activity & immed came up lame. To confirm it was a psoas injury went to one of the few vets in the country that diagnose it by ultrasound. Diagnosis severe moderate tears at insertion & orgin.Approved & paid that & the follow up ultrasounds every 4 weeks plus all my rehab visits with my local rehab vet, the exam fees, chiro, acupunture, treadmill sessions, etc. from Sept-Jan. Unfortunately during this we found a mass during the Jan ultrasound on that same back right near his femoral artery & it's B-cell lymphoma. Fortunatley, Embrace has been wonderful, they paying 80% of the $1700+ from all the ultrasounds, xrays, bloodwork & other tests. Starting chemo on Tues & am confident Embrace will be there to help with that too. Devastating news but so happy that thanks to Embrace I can afford to give him the best possible care. Cancer diagnosis & treatment is not cheap.
5

out of 5

POSTED: | BY: Megan Tonkinson

Great service

Embrace has been so fast and efficient dealing with my claims.
5

out of 5

POSTED: | BY: Mark

Bulldog Tail problem

I am extremely happy we selected Embrace as our pet insurance for our English Bulldog. All of our communications with them have been prompt and professional. They really have excelled at keeping us informed.
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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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