Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Sue Harris

Embrace really helped me in time of great need

Jasmine was over 11 years old when she developed Lymphoma, a fatal cancer of the lymph nodes. Diagnosing it was a slow, painful process. She began by throwing up what she ate. But she had always tended to throw up and it took me a while to realize this was different. We took her to the vet three times before it was obvious what the problem was and we realized we couldn't help any more. The vet was very helpful during this process but each visit was very expensive and I continued to bring her, hoping that I would be able to get some kind of reimbursement. Insurers being what they are, I expected a struggle with poor results. I wrote to Embrace asking how to make the claims and they answered me quickly with instructions on how to send my vet's email address along with the claims. I filed and to my surprise, and relief, the claims were processed quickly and I received a substantial reimbursement. Losing Jasmine was very sad. I and my household will all miss her. But at least the sadness was not complicated by the dread that comes with large, unpayable medical bills. So thank you, Embrace.
5

out of 5

POSTED: | BY: Leslie Chu

Excellent customer service

Very prompt with review and payment of claims. Staff very helpful and always courteous.
5

out of 5

POSTED: | BY: Larry Helling

Embrace is a great Pet Ins. Co.

I have been so pleased with Embrace and their very helpful and kind staff! My dog has been insured with Embrace since 2014 and this is my first claims for my dogs cancer. Embrace has paid all the claims as stated in the policy.
5

out of 5

POSTED: | BY: Khuloud Shukha

They reimbursed my claims at a really difficult time!!Thank you!

My dog was having recurrent problems with the anal sac and eventually needed surgery that cost $2400+, and Embrace immediately reimbursed me and this is so helpful! thank you!
5

out of 5

POSTED: | BY: Stanley Jackowski

Very nice to have Embrace pet insurance. It paid all but my 20% deductible for surgery and hospital stay

Surgery was for bleeding, prolapsed urethra at tip of prepuce. Urethral prolapse mucosal resection and closed castration.

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 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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