Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: DESMT

welcomed change

When I got 2 kittens I investigated and read reviews on all the different pet insurance companies. After having a negative experience with ASPCA and my dog I was hoping that all companies were not the same and I could find quality insurance at a fair price. I decided to go with Embrace and their Wellness Plan. I submitted my 1st 7 claims together. Within 1 day I got an email confirmation of receipt of the claim. The following week i got an email saying my claims were processed and the checks were in the mail. Days later I received full payment for all 7 claims.
5

out of 5

POSTED: | BY: Sharon Hanson

Excellent Insurance Coverage

Embrace is the best insurance ! My 10 month old lab puppy ate 1/2 pound of grapes which can be toxic --- my vet said to take him to ER. He is doing fine. I am putting all food items away as soon as I get home so he doesn't have the opportunity to "surf" the counter tops. Just within the last month his growth & reach seems to have extended another 6 inches! Embrace processed the claim and I received payment within a week! Remarkable quick turnaround!
5

out of 5

POSTED: | BY: Robert

Pleased by speed of first claim reimbursement.

I don't have any previous experience with pet insurance, but I must say I was pleasantly surprised by how quickly I received the first claim I filed. It was a Wellness claim, and I received reimbursement for the full amount of vet charges in less than a week.
5

out of 5

POSTED: | BY: Laura Billings

Fantastic

My dog had hip surgery. My claim was processed and I was reimbursed within 10 days. It was amazing and so helpful since the surgery was $2100. Thank you for taking Cate of me and my furry son.
5

out of 5

POSTED: | BY: Marianne Kermavner

Don't know what we would do without Embrace

Our 9-year old Molly was diagnosed with Spinal Stenosis a little over a year ago. Embrace has been amazing as the charges for her initial diagnosis were covered (including extensive testing such as MRI and other diagnosis). Since that time ... they have covered 80% of her treatments including laser therapy, medications and alternative treatments such as her acupuncture and chiropractic adjustments. They are incredible as we have 6 dogs on insurance with them and recommend them to all friends and family members who have pets.
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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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