Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,369

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: Lori Nieberg

Excellent

I did a lot of research before choosing Embrace and I found them to be the best out there. They pay exactly how you write your policy to; they keep in touch along the way and have excellent customer service. This is who you should choose for your dog or cat no matter their age or condition. Unlike many other companies,you tailor your policy to fit your budget and the specific needs of your pet. I recommend them to all my friends!
5

out of 5

POSTED: | BY: MARIZA CAMPBELL

dependable

When i first signed up with embrace i was a little skeptical. I never had pet insurance before. But embrace was true to their word. I just followed the outline on what type of coverage I wanted and just signed up. I have had to use embrace several times and I have had no issues with reimbursements.Another thing is that when you call customer service everyone is so knowledgeable and friendly. I could not have chosen a better pet insurance company for my pet needs.
5

out of 5

POSTED: | BY: Henslee Worsham

Saved $2,600 Wonderful Company !!!

My rescue mixbreed had a long-term Cruciate Ligament problem that just got worse over a 2 year period. When the vet decided only a full TPLO would do, I contacted Embrace for pre-certification. They covered it even though it was a long-standing issue - not injury. They were so very helpful in telling me what I needed to send them AND told me exactly how much and of which charges I would be reimbursed. Even though they said it might take up to two weeks to receive a reimbursement check, it came ASAP! Then, they keep following up to see how he was doing...AND reminded me to file for any additional follow up visits or claims I might need. Shocking! In short, I am astounded at how nice many employees were, how personal they seemed to be w/ my dogs claim, and most importantly the amount and percentage of reimbursement w/ NO hassle. HIGHLY RECCOMMENDED!
5

out of 5

POSTED: | BY: Paulo Nery

Excellent Pet Insurance

Our Great Dane had two major surgeries within 40 days and Embrace was very easy to work with at a very stressfull time. Their forms are easy to complete,they paid the claims promptly, and the hospital staff said the Embrace personel were very helpful on the phone. Embrace offers excellent coverage at a fair cost. We have already recommended Ebrace to friends and the veterinary practice that cared for our dog.
5

out of 5

POSTED: | BY: DJ

Bilaterial Hip Dysplasia - AWESOME PROVIDER

My sweet puppy has a diagnosis of severe bilateral hip dysplasia at the age of 6 month. I am ever so thankfully my Tucker is covered with Embrace Insurance. Not only did they allow me to get second opinions they approved surgery and the rehabilitation program to accompany Tucker’s recovery. I submitted the estimates and Embrace ever so promptly determined the procedure and rehab would be approved and have processed every claim so promptly – incredibly prompt! Having Embrace is allowing my Tucker to have best chance of recovery. These procedures and rehabilitation are expensive and with Tucker’s insurance my puppy can get the required surgery and treatments to give him the best pain free life he can have and that is thanks to the OUTSTANDING INSURANCE PROVIDER! Embrace does all of this with professionalism and compassion. This insurance is fabulous and I would recommend it to EVERYONE. You are safe with Embrace! Thank you Embrace!

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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