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: Katherine Winningham

Embrace Rescues My Rescue When Possible Cancer is Diagnosed

Embrace has been a lifesaver when my 2-year old rescue suddenly came up lame with what might have been cancer. Turned out to be a bone cyst, but the diagnostics and surgery were costly. Embrace quickly precertified everything and has processed and paid promptly.
5

out of 5

POSTED: | BY: Craig

Claim Review and Processing was Prompt and On Point

They reviewed claim promptly. And handled it exactly the way they advertised.. ...that peace of mind is good when your going through something with your buddy!
5

out of 5

POSTED: | BY: Caitlin

Great Service

Embrace it a pleasure to work with. My vets submit claims easily and Embrace pays out quickly. Communication is quick and clear. I have recommended Embrace to friends and family.
5

out of 5

POSTED: | BY: Linda Neer

Very happy withh quick reimbursement & response to clsims

Our Golden is close to 13 & having arthritis issues. So glad we have Embrace & the quick response to claims. Staff is always very helpful.
5

out of 5

POSTED: | BY: Jan

Embrace is the BEST!

I decided to insure my dog with Embrace Pet Insurance after reading many reviews on this site. I am so glad I did!! My lab is 2 years old and fell down our hardwood stairs and tore his CCL in his knee. I took him to the vet right away and was told to go see an Orthopedic surgeon because he most likely needed a TPLO procedure done. I didn't have time to submit a pre-authorization form for the surgery ($3500) but sent all the paper work in hoping that it would get covered. We are exactly 1 week from surgery and my claim was paid in full- check is on the way. WOW. AND when I called to talk to them last week about his procedure the first thing the lady asked me on the phone was if I was OK. She was more concerned about me and my dog than dollars and cents. Do yourself a favor and check Embrace out. Call them and see for yourself. Their customer service is top notch.
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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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