Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Judi

Our eight year old pup Niko had knee surgery.

Our eight year old pup Niko, just had his first surgery. He tore his miniscus/ACL. Submitting the claim to Embrace was simple and we received quick payment. ??
4

out of 5

POSTED: | BY: Mary

Very helpful

Very helpful, customer service is very thorough in explaining coverage.
5

out of 5

POSTED: | BY: Richard

I like it they are fast the only thing…

I like it they are fast the only thing is I didn’t know my allowance was only 250 that’s they only complaint
5

out of 5

POSTED: | BY: Joanne

Wonderful company

I've had to use my Embrace pet insurance several times for my older dog Benny. Each time, I was reimbursed promptly with no questions asked. It's a huge comfort knowing that I have coverage for my dear dogs. Several months ago, Benny lost the use of his back legs. I was in a panic. The emergency vet hospital diagnosed disc compression, and said that surgery may be needed. I was able to get pre-authorized with Embrace prior to any surgery, which absolutely amazed me. The vet specialist estimated the high and low cost of the procedure, and Embrace approved me for the higher amount. Thank God we didn't need the surgery after all. We chose a conservative treatment approach, and it worked. Benny is back on his feet. I'm just so grateful I have Embrace to lean on in times like this.
5

out of 5

POSTED: | BY: Audrey

Two thumbs up

Embrace was great and easy to work with. Their claims handling was fair, upfront, and quick. I do wish that the claim filing process was more streamlined - as it stands right now, you have to have the vets office file claims. My vet office forgot a couple times. It would be easier and more efficient for me if I could send the paperwork myself.
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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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