Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: 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.
5

out of 5

POSTED: | BY: Kayla

Getting better

The first few claims were easy and smooth! There were a few road blocks that came up with 2 of our claims and I felt like I was constantly calling to make sure it was evening processed. It took weeks to sort out. The last 2 claims have been easy and quick! Submitted and processed in about 9 days!
5

out of 5

POSTED: | BY: Christine

Amazingly easy

When my dog was diagnosed with lymphoma at 4 years old we worried about many things. Embrace took the worry about the cost of treatment off our plate. Claim processing was easy and efficient. Best decision we made. Highly recommend this company.
5

out of 5

POSTED: | BY: Allan

I am so glad I purchased a policy with you. My son recommended me to you best decision I have made

Awesome service
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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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