Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Sheree Marty

Prompt!

Embrace promptly and courteously issued reimbursements submitted regarding the medical care of our cat, Mr. Peepers. In only one case was additional information needed and notification was immediate via email and the online Embrace website. Such a relief to know we could concentrate on the health needs of Mr. Peepers without worry of choosing between quality care and personal finances. Pet insurance is like any other insurance—we hoped to never need to use, but when needed, what a relief. We have carried the coverage for several years and due to the continued good health of our four pets, Embrace issued each a substantial wellness credit, which was honored with Mr. Peepers’ diabetes diagnosis. I would also add our medical team submitted the claims for us immediately following each vet appointment, instrumental in the process of fluid financial reimbursement from Embrace, We are happy to report Mr. Peepers is in diabetic remission! We consider Embrace a definite member of his recovery team and highly recommend for families considering pet insurance.
5

out of 5

POSTED: | BY: Robert Wood

excellent insurance

very impressed with the coverage provided and the efficient claim-handling experience; would definitely recommend for any pet owner.
5

out of 5

POSTED: | BY: Mary Ann

Embrace Cares

Embrace has been there for our two dogs for most of their lives, and thanks to their care and support, our best friends are thriving into their senior years. Our eldest, Nelli, contracted an immune deficiency virus a few years back and Embrace made sure she had the care and access she needed to make a full recovery. When our youngest played too hard and knocked her teeth loose, they were there too. Customer service is excellent, responsive, and attentive. Thank you for all you do.
5

out of 5

POSTED: | BY: Gretchen Taute

Wonderful Service - as usual

While I did not have both receipts for the purchase of one of our old guy's prescription refills, they worked with me until they were able to reimburse me for that scrip. These are some terrific people who have never failed to come through for us.
5

out of 5

POSTED: | BY: Jerri

Great first experience with pet insurance.

I was a little concerned about the claim process because I haven't had the best experiences with human health insurance. I was sure they would find a reason not to cover my claim but to my surprise, it was a simple process and I received a check rather quickly. For what it's worth, I rescued a puppy and I received the first 2 months of insurance free and decided to stay with it because vet bills can get very expensive. As my pup got older we noticed something on his eye which had to be removed which is what I submitted the claim on. They covered 80% after the deductible.

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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