Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,754

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: Diane Urbanski

Delivers on its promises!

"Courteous, caring and prompt," is what I tell everyone who asks about Embrace. When our dog was diagnosed with lymphoma the only thing we dreaded more than the treatment protocol was dealing with the insurance company for the first time. Turns out, it was a breeze. Now our dog's in clinical remission and we've been fully reimbursed. Embrace delivers on its promises.
4

out of 5

POSTED: | BY: Michelle E

Cancer covered

My 13 yr old cat was diagnose with cancer after a routine oral exam. After some confusion, during which Embrace dealt with the issues quickly and professionally, they covered the majority of the bill.
2

out of 5

POSTED: | BY: Michael Young

Service is not hat it used to be

Claim emailed on 2/2 but not acknowledged until 2/11. Then had to wait 3 more weeks to get reimbursed. I received no email notice of benefits paid until I called and asked. You would not have gotten a 3 but the person who actually provided answers was very nice.
5

out of 5

POSTED: | BY: susan mallory

Positive Experience

I carry insurance on my pet just as I do on the rest of my family, as I consider my per part of my family. I realize it seems costly, however, I never want to have to make a life or death decision based on money. Embrace has been responsive and I have not had to agrue with them regarding coverage as with other insurance companies (not just pet) I appreciate the ease of filing and their in touch communication. I give them a 10 for doing what they say
5

out of 5

POSTED: | BY: Claire Keller

Amputation of cat's leg

My cat fell from a height of 10 feet and shattered her left front elbow. The x-rays showed multiple bone fragments there was no way to salvage the limb. Lily had her left front leg amputated. The wound partially opened and became infected so antibiotics were needed. I have been very pleased with the customer service Embrace provides. My claims were promptly acknowledged. Embrace notified me via email at each step in the process.
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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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