Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Abigail

Covered my dogs foxtail surgery

So glad I have embrace. They were able to cover 80% of my beautiful Shar-Pei Igors surgery. He had to get some of those nasty weed plants surgically removed from his paws, poor baby was in pain and they were also able to cover his medication. His bill came out to $1200 and they were able to reimburse me $723 (Knowing that I live in California this is amazing) . Although, the only con was that they took almost a month trying to reimburse me and kept telling me that they had to do more research into Igor's health history when I had thought they already have his medical history since they do ask you to provide his health history upon the first few weeks of having Embrace. But all in all, I LOVE EMBRACE THEY ARE A GREAT WORKING TEAM AND ACTUALLY CARE ABOUT YOU AND YOUR PAL! Promise they will always take the time to listen and try to solve every problem you are having with your pet's health. Igor and I thank you Embrace for covering his medical bills.
5

out of 5

POSTED: | BY: Mike Hess

Excellent customer service

My Lab has had vomiting spells and has had to have many X-rays and an ultrasound to discover the cause of his illness. Embrace has handled all of his claims promptly. They are excellent in customer service and pay claims quickly. Very pleased with them.
5

out of 5

POSTED: | BY: Mary Potempa

Fast service

This is our first experience with pet insurance and I believe we made the best choice going with Embrace. We met our deductible fairly quickly (unfortunately) and once the claims were submitted, we were reimbursed very soon after. As someone else stated, Embrace is not the cheapest coverage but I believe it is the best and the customer service is excellent.
5

out of 5

POSTED: | BY: Shelley Tanner

Excellent Choice for Pet Insurance

I read a lot before deciding to go with Embrace, and I can honestly say that I am glad I did. I read reviews from other companies where claims were denied or took unreasonable amounts of time to be reimbursed. I have nothing but great things to say about my experience with Embrace. My cat was diagnosed with diabetes, and has had several other related medical complications over the past almost year. I have submitted quite a few claims, and not only was the process simple, but the claims were paid quickly into my bank, and the customer service has been excellent. I am so happy to have confidence in the insurance company I chose.
5

out of 5

POSTED: | BY: Jessica Knapic

So far, so good

As most animal owners out there our animals are our pride and joy. so when it comes to health insurance for them, why would you treat them any different than your children? Although I see mixed reviews on the internet; Embrace has been nothing but helpful to me and my dog. I do spend more than most people but I would pay any price to know my animal is in good hands. I have not received any issues and Embrace has reimbursed me for almost every claim I've submitted. Be sure to read and chose your plan carefully. Everything is explained thoroughly when choosing your plan and if you have any questions their staff has gone above and beyond to help solve all of my questions and concerns.

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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