Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Lisa Mims

Back Surgery Claim

Our 7 year old corgi Beezy ruptuered her disc and had to have emergency surgery to save the use of her hind legs. We were reimbursed for the surgery within a couple of weeks of filing for the claim. The rehabilitation period for Beezy has been challenging and we appreciate our ability to concentrate on recovery rather than her insurance claims. Thank you to the entire Embrace staff.
5

out of 5

POSTED: | BY: Steven

Strong customer support, quick turnaround

My dog needed patellar luxation surgery. We submitted a claim. Embrace settled the claim with very few questions asked. Customer service was thorough in collecting the information needed to process the claim. And the payment was made quickly.
5

out of 5

POSTED: | BY: Joe Survilla

Orthopedic Elbow Surgery

So glad we decided to try pet insurance after having large vet bills with other dogs. Our 10 month Bernese developed elbow problems and we elected to have arthroscopic surgey. The insurance covered all three visits for this illness. My intial visit to primary vet ($185), the consulation with Orthpedic ($100) and the actual process ($3100) were all covered less the deductible and coinsurance. Great company to deal with. They even appologized twice becuase it took them a few weeks to pay my claim. I had money before my credit card bill for the surgery arrived.
5

out of 5

POSTED: | BY: Shu Cheah

Responsive, helpful, and no hassle

I submitted the claim form for both wellness and insurance together in a single email. Embrace staff split them into two separate filings for us. They sent us emails to keep us informed throughout the claim process. Reimbursement was directly deposited to our bank account; we even got an email to follow up on whether we've received the payment. Great service overall. Thanks.
5

out of 5

POSTED: | BY: Sara Higa

First Accident Coverage

I suspected that my 7 month old puppy had got into my Ibuprofen and potentially swallowed 400 mg worth of the gel pills. I had to get immediate induced vomiting and a 2-day ER stay. Thankfully, he came out of the ER fine and healthy. When I submitted the claim form to Embrace, everyone I was in contact with was very helpful and friendly. I've recommended Embrace to friends and they have decided on using Embrace as well.
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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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