Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Selina Long

The filing was quick

The filing was quick. The reimbursement was quick when I called out because I couldn’t figure it out was likewise thorough and quick can’t fold them for anything ….fine job.
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5

out of 5

POSTED: | BY: Iggy’s Parents

Lymphoma Coverage

One of our girls has lymphoma, and Embrace has covered her first year of treatment. The staff and claims folks are responsive and answered questions each time we emailed. The first claim took a few weeks to process, but each one after happened very quickly. If you are on the fence about pet insurance I recommend you give Embrace a chance. We hoped to never needed it for cancer, but are thankful to have it.
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5

out of 5

POSTED: | BY: Michelle Fitzgerald

Quick and fair review of claims

Our cat had unexpected major dental surgery this month, but because we had embrace we could focus on making decisions that prioritized our cat’s wellbeing over finances. Embrace reviewed our claims quickly and fairly, making a potentially highly stressful situation much easier.
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5

out of 5

VETERINARIAN: Hudson Veterinary Clinic

POSTED: | BY: D

Thankful to have insurance during pet diagnosis

I was directed by our regular vet to a 24hr vet hospital that had digital x-rays available to help diagnose cats trouble with breathing. Because I had insurance I feel we were able to not be worried about going for further testing due to any financial costs. It really felt like we could do the best for our pet, keeping the focus on her rather than worrying about the cost of her care. We ended up losing her due to lung cancer, but we had a clear diagnosis and made our decision to let her go without suffering.
5

out of 5

POSTED: | BY: Christina Weiss

Seamless first claim

I just recently had my first claim for an ACL repair. As was already expected, it took a little longer than what they say the usual is for claim turn around due to needing full medical history. This was stated upfront so it was expected. Entering claim was super easy. They said to expect up to 30 days for an initial claim and it only it took just shy of 30 days to get reimbursed. I am very happy with the service and the full disclosure of what to expect. It took took little effort on my end and my baby was able to have surgery with piece of mind.
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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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