Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,243

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: Lee

Unusually slow

Prior claims were settled quickly. This clam was a filed in mid March, after numerous phone calls & faxeds, it was settled in mid June!
5

out of 5

POSTED: | BY: Deb Jankowski

Adverse Reaction to Distemper Booster

Recently, my 9 year old cat needed a distemper booster shot, and for the first time in his life, he had a bad reaction to it. He was back and forth to the vet for two weeks getting fluids and receiving treatment. We were so worried about him! Thank Heavens I didn't worry so much about the bills, and could focus on being sure he got the treatment he needed. His illness and the treatments and medications were covered! I would never have a pet without insurance ever.
5

out of 5

POSTED: | BY: Patty C.

Quick and Responsive

Our dog seems to visit her doctor more than our children. This visit was simply routine. The claim process through Embrace is the most efficient we've experienced. We receive friendly emails during the process informing us of the status of our claim. Reimbursements are made directly to our account. Most of our dog's health concerns are covered. Embrace is quick and responsive, and the process is seamless. One less thing to be concerned about during our busy day! Thank you.
5

out of 5

POSTED: | BY: Julie

You saved Hunters eye site

Our half black lab half golden retriever dog Hunter ended up with diabetes a few months ago. We have been trying to get it under control with Insulin. With in a month of his diagnosis he went blind from cataracts in both eyes. He is only 71/2 years old and we were just devastated from this diagnosis. It all happened so fast. The on-going cost of insulin and constant checks of his glucose every week have been so costly. We wouldn't have known what we would have done with the eye surgery if we didn't have Embrace Insurance. The cost of the surgery was close to $6,000 with all of the eye drops, ointments and inflammatory medicines we needed to give him. Thank you thank you to Embrace for paying for so much of his surgery and medications. I can't even think of him being blind for the rest of his life. You are a lifesaver for him and our family. It has been 3 weeks and he can see again and has his fun personality back. The diabetes is a work in progress to get under control which Embrace has been a lifesaver helping to pay for that medication too. I really dont know what we would have done without Embrace. I tell everyone I see with a pet to call and get a quote, it is so worth it. Thank you!
5

out of 5

POSTED: | BY: Marji Bayers

Speedy & efficient claims-processing!

My vet recently took biopsies of 5 lumps growing under the surface of my 9 yr old dog, Hero's, skin. Fortunately, according to the pathologist's report, they were all benign. But, this was expensive!Embrace processed my claim speedily and emailed me regular updates of the review status along with a link to get details on line. It was so easy and relieved my anxiety along the way. Plus, I got a great reimbursement!

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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