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: Sarah

Good easy insurance

I've submitted multiple claims with embrace since my dog was a baby and they have accepted all but her most recent one. The most recent one was infuriating but they walked me through how to get a letter of appeal from my vet and my appeal was just accepted and paid out! Very happy with this insurance and it has already paid itself off by a lot since I guess my dog is a weak little thing. You do have to pay upfront and then get reimbursed which could make large claims difficult but I think that's common with pet insurance and I can borrow money from my family if it's an emergency. Claims are submitted online which is very fast and easy and customer service is great.
5

out of 5

POSTED: | BY: Jessica

Excellent!

I cannot say enough good things about Embrace! Everyone we have talked to has been super nice and very helpful. The claim process is super easy & using the app makes it even easier to submit & track the status of a claim. I'm blown away by their quick turnaround time. Within a week we have our claim received, processed, and reimbursed. Highly recommend - especially if you have a puppy like mine that sticks anything and everything in his mouth.
5

out of 5

POSTED: | BY: Angela

Awesome and FAST

Amazing communication, great coverage, and easy to file a claim! Such a blessing for my older dog and Veterinary costs reimbursement!
5

out of 5

POSTED: | BY: David

Hard Times Made a Little Easier

Our 2-year old Frenchie, Chloe, was treated for a bad UTI on a Monday and was responding well to treatment, then woke up blind on Friday. A trip to the emergency vet, a MRI and tests of blood and brain fluid ruled out some causes, leaving us with only other terrible remaining outcomes - all forms of encephalitis. After an overnight stay at the hospital and an IV chemo treatment, Chloe got vision back in one eye. Now she's taking steroids and we're enjoying each day that she gives us - happy, playful and pain free. Our vet submitted a claim for the UTI diagnosis and treatment and the emergency vet completed one claim for all of the hospital care. Embrace handled everything with no drama for me...we've had enough drama already. Chloe is my 3rd dog with Embrace health insurance and I'm fortunate that she's the 1st to need more than a Wellness Rewards reimbursement.
5

out of 5

POSTED: | BY: Camela

Excellent

I’m very pleased, they kept in close contact with me throughout the whole process of my claim and provided updates in a timely manner.
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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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