Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: ann

Slow start, but a good outcome

I had a claim for an ACL repair on my young lab male. I ran into an issue with the Claims reviewer wanting "hand written" notes from my vet. My vet sent the file notes 4x and finally I took the printouts of exam notes from my vet's electronic recordkeeping system, circled the exam dates and notes, and resent them. Embrace finally processed my claim. My March claim was paid in May.
5

out of 5

POSTED: | BY: Amy

Embrace is complete peace of mind!

I have had my dog covered through Embrace since I first brought him home as a puppy almost 8 years ago. He has had many issues throughout his life with gastrointestinal upset, skin allergies, and most recently, seizures. I had to bring him to an ER recently as he was having cluster seizures. For anyone who has experienced watching this happen to your dog, you know it's beyond horrible. Having Embrace gave me such peace of mind, as he needed many different procedures for his care. I can't say enough about this company. I literally tell everyone i know that has a pet about Embrace. They are kind, genuine, and they make the whole process so easy. My sweet golden, Finnegan, has gotten the best care and I appreciate everything that Embrace has done for him. Your company is a treasure!
5

out of 5

POSTED: | BY: hi

good

Thank you for expediting my claim as soon as possible.
5

out of 5

POSTED: | BY: Gretchen

I have been very pleased with the coverage for my dog.

My claims have been quickly reviewed and I know the outcome in a reasonable time. A check, if warranted, is quickly sent. I also enjoy the explanations of the problem and it’s coverage.
5

out of 5

POSTED: | BY: Deb

Prompt reimbursement

Easy and prompt reimbursement. Sometimes have trouble getting through by fax. Allowing vet to bill Embrace directly would be helpful.
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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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