Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: S

Wellness Claim - Annual exam + shots

We have house cats age 2-12 yrs. This current claim was for Fudge (3yr old male cat). Wellness type claim for physical and shots. Cost $130. Remaining wellness amount $120. Reimbursed up to max allowed, as expected... No surprises. We have had this insurance for over 2 years. We learned about them via USAA insurance, and they have worked well. Insurance coverage per cat is deductible then 80% coverage, Rx included. Wellness baseline cost approx. $250 per cat covers annual exam, shots and monthly flea etc Rx. Wellness portion gets reimbursed. Insurance part is cost effective investment. Work with Embrace to get INITIAL preexisting conditions documented per cat during first 1-2 years. And realize annual plan costs increase as pets age increase. Bottom line - cost effective, and they work with you. And try to submit separate claims for wellness vs insurance. All submittals need itemized invoice, but no required doctor signoff for Wellness. I will continue to use them.
5

out of 5

POSTED: | BY: Elizabeth

Always Reliable

Embrace is always reliable with respect to claims. Their customer service reps are quick to answer questions and provide clear answers. I have been very happy with my plan for the past couple years. Thank you Embrace!
5

out of 5

POSTED: | BY: Dustin

Ortho

Embrace is wonderful as always! My lab is going through tough times with hip and elbow dysplasia and Embrace has been terrific through the entire process so far.
5

out of 5

POSTED: | BY: shelly

Remarkable

I cannot describe how sincerely grateful I am to the employees at Embrace Pet Insurance. Everyone that I spoke with or communicated with, via email, was very compassionate, understanding and very caring of my pets medical needs.
5

out of 5

POSTED: | BY: Susan

So happpy to have insurance

Once again, we are SO HAPPY we decided to have Pet Insurance. Stella ou, 11 month old, Standard Poodle went to the vet with something wrong with her eye - it ended up being Horner's Syndrome. Our vet also decided to test for Lyme, just in case. The entire visit was covered - meds and all.I submitted the forms through my phone with the use of a scanner app. The next day I had an email from Embrace saying it was covered. We are 100% happy with Embrace and would recommend it!
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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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