Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Jane Devlin

Great Service!

I have been nothing but thrilled with Embrace Pet Insurance. Both of the claims I have made were immediately processed. What a great service to have. I would have a hard time affording my dog's vet bills without them. Thank you!!
5

out of 5

POSTED: | BY: Neil

Financial relief during the worst of times!

As with people, it is inevitable that during a pet's lifetime they will encounter health issues that require necessary and expensive care. Knowing that we had the financial support from our Embrace policy enabled us to provide our beloved cat with the very best cardiac specialist care he needed. Given that we live in an expensive city, knowing that Embrace did not reimburse based on fee schedules gave us extra peace of mind that his care would be covered at actual cost. We have submitted multiple claims and each have been reviewed quickly with reimbursement checks received within 14 days... each of our claims have been handled by the same person (Sam A.), whom has been very good with communication and case status updates. We are VERY PLEASED with our Embrace experience and recommend them very highly to anyone who truly loves their pet.
5

out of 5

POSTED: | BY: Scott Houston

No Headaches

So far every claim we have sent in (and there have been numerous claims due to my baby schnauzer's problems) has been fairly reviewed and gotten back to us quickly. Getting the claim forms online has been useful because when we have forgotten to print them we can have them printed out at the vet's office. Faxing them in is very convenient and we appreciate the prompt response in letting us know the fax is received. Well done.
5

out of 5

POSTED: | BY: Lisa

Highly recommended and I now see why

I did a lot of research before purchasing my Bernese Mt. Dog. The breeder highly recommended getting pet insurance and highly recommended Embrace. She even suggested I get the puppy exam and waive the six months waiting period which I did. At eight months my Berner ate something she shouldn't have and got a blockage in her intestine. If I hadn't waived the waiting period I don't know if she would have been covered. I've owned Berners for 25 years but never got pet insurance. This is my first experience and I think this episode paid for 10 years of pet insurance. I am very pleased with Embrace's quick communication, quick reimbursement and coverage of the procedures.
5

out of 5

POSTED: | BY: Rebecca

Love the Wellness program!

Excellent payment timeframe! Excellent communication! Really appreciate the wellness program.
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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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