Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Laura Colbert

Keeping me updated

The claim process took longer than I expected but I was updated along the way which was great! Everyone takes the time to make sure I'm aware of what's happening. Thank you all very much
5

out of 5

POSTED: | BY: Kathy Geraghty

Very good explanation of claim and benefits coveri

Our puppy was hospitalized for acute vomiting and dehydration . Embrace covered most of the items in the claim and gave us a very clear explanation of how they determined the amount. We did have to wait a while for the claim to be processed but Embrace stayed in email contact with us during that time.
5

out of 5

POSTED: | BY: Blair

Dependable coverage and wonderful customer service

Embrace has been responsive and very dependable in covering costs for my dog. I would highly recommend the company for its great customer service and for their reasonable consideration of medical costs. After my dog broke the biggest tooth in his mouth, he had the root exposed and was in a lot of pain. Our vet said he could extract the tooth or we could go to a veterinary dentist who could possible save the tooth. That's what we did, and after a root canal, my dog was back to his playful, happy self. Although this was not a life-thretening emergency, it was so reassuring to know that I could provide the medical care my dog needed with Embrace covering 90% of the cost. I feel so relieved to know that if an emergencuy or unexpected illness happens, my dog will be able to receive the proper medical care he might need.
5

out of 5

POSTED: | BY: Michael Helms

Wellness Claim & Illness Claim (Fleas)

I recently had both of my Pomeranian dogs treated at a local veterinary clinic. Wellness visit (annual physical + 2 shots) for Spanky and an illness claim (fleas) on Little Rascal. Both claims were processed and paid promptly. Emails from Embrace kept me informed of the status of both claims. I have used Embrace to insure both of my dogs for over three years and have been very happy with the excellent service and coverage they provide for my pets.
4

out of 5

POSTED: | BY: christina G.

I am a satisfied customer.

Our dog was recently diagnosed with diabetes. So far, all of our claims have been handled professionally, and courteously by Embrace staff. We haven't used up our deductible yet so I can't comment on 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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