Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: james hamamoto

Reasonable cost, decent coverage, courteous prompt service

Being in healthcare, I know it is not easy to operate an insurance properly and be financially sound. These guys seem to provide as good a coverage as it gets for the money and the do it well. Good attention to detail.
5

out of 5

POSTED: | BY: Jennifer O'Connor

Great Experience

We unexpectedly had to make a claim six weeks into dog ownership (and three weeks after the end of our waiting period!). The claim process was much easier than I expected - the vet submitted the paperwork and I got my check yesterday. No questions, no fights. Thank you!
5

out of 5

POSTED: | BY: Tracy Mullen

It was an easy claims process.

My dog had a CCL tear and needed surgery. The vet sent in all the paperwork to Embrace and it was approved.in about a week. Customer Service was very helpful when I had questions. I would definitely recommend Embrace.
5

out of 5

POSTED: | BY: Josh Phillips

Embrace helped Dave my dog's life

My dog, Otto, got sick, very rapidly. We went to the ER and they were going to run a barrage of tests because they didn't know what was causing it. They said we could wait because it was going to be expensive and they thought he didn't look critical. The next day he still wasn't better, so we decided that the cost didn't matter. Our little guy looked dreadful. We took him back. Turns out he has Addison's disease and if we had waited another day or even until that afternoon, he would have died. Embrace allowed us to not take money into consideration when saving his life. Since last month, we have had easily $5000 in vet bills between the three day ICU stay, one follow-up scare, injections every four weeks and blood tests every two weeks. Otto will need monitoring and monthly vet visits for the rest of his (hopefully) long life, so knowing there are no lifeline limits and they won't drop him is a huge comfort in our lives. There's no way I could afford his care without Embrace. I put his bills on my credit card and they process and reimburse very quickly so I never accrue interest on my card. It is a big relief. I recommend them to every pet owner I know.
5

out of 5

POSTED: | BY: sandy belino

Very pleased, had never needed it her whole life but when I finally did they were fantastic and paid the claim fast.

Am very pleased with this pet insurance. Have had my dog since she was 8 weeks old and is now 8 1/2 yrs. First time I have had a need to use the insurance and was very pleased with them. They paid in timely manner and covered everything. S,ery pleased and would recommend them highly
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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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