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: Middleton

Will Renew Policy Again and Again

Bear came into contact with something unknown an had a severe allergic reaction. Rushed him to hospital an treatment required a 2 day stay. Need less to say I wasnt worried about a bill with Embrace. Vet filled out paper work. I simply faxed it in. With in 24 hrs there was a response that my claim was being taken care of.
5

out of 5

POSTED: | BY: Lia

Wonderful communication!

We just received our first reimbursement from Embrace. Our deductible is on the high side, so we don't generally meet it, but this year was an accident prone one for our little Sheltie puppy, Rocco. Nothing too serious, but little things that added up. We also have another Sheltie, Dante, with a pre-existing condition. For both of our dogs, we submit paperwork simply for record-keeping. Each time we contact Embrace, we are met with kindness, professionalism, and respect. And, the best part is that they are great communicators! I love that I get emails just to tell me that they are working on our file and that we can expect an update soon. I always know where things stand with Embrace, and I highly recommend them.
5

out of 5

POSTED: | BY: lucille vandermaelen

Prompt response to claim

Claim for removal of an embedded foreign eye object was promptly processed and nearly the entire amount was applied to my deductible.
5

out of 5

POSTED: | BY: Oscar

Very helpful!

Embrace checked in with me and followed up every step of the way!
5

out of 5

POSTED: | BY: kate

saved our dog's life

Mere days after our insurance kicked in one of our dogs received a small gunshot wound to her abdomen. She needed to have surgery to remove and reattach her intestines as well as a blood transfusion. If we did not have Embrace we would not have been able to afford to save her life. The claims process was incredibly easy and the customer service representatives are so kind and considerate. I received multiple messages from Embrace employees checking on Lily after her procedure. We never did find out who was responsible for shooting her but we are so grateful for the excellent care she received and assistance Embrace provided us. We will never be without Embrace insurance as long as we have pets.

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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