Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jessica

So Grateful

I have had an outstanding experience with Embrace. They pay very promptly and are open to reviewing claims if there is an error. The customer service can't be beat. They have been an enormous help with my 4 year old cat Lionel. He has had a skin condition since January and I couldn't have afforded treatment without Embrace.
5

out of 5

POSTED: | BY: Carol Lee

Chela's spinal fusion/laminectomy

Thanks to Embrace Pet Insurance my dog Chela is able to wag her tail again(literally). She had a ruptured disc and a very narrow spinal canal with impingement of the nerves. After a pre-approved MRI and CT (also thanks to Embrace)they did a spinal fusion and laminectomy. It was done about 10 days ago, and thanks to a fast pre-approval process, the claim has already been approved. She is already moving her right rear foot better and is able to wag her tail! Prior to surgery, her tail just hung down limp with very little movement. She is still in some pain, but manageable with medication. The total bill was almost $8000 including the MRI. I hope this surgery will greatly improve her quality of life. Thank goodness for great pet insurance, without it so many pet owners are faced with tough decisions based on finances, not the best interests and welfare of a beloved pet. Thanks Embrace, and tail wags from Chela
5

out of 5

POSTED: | BY: Marcia Eyler

Embrace was great in handling this claim

I have been with Embrace for many years. By keeping Willie healthy, they were able to help me keep my premiums at a decent level.
5

out of 5

POSTED: | BY: Margret Myers

Thank you for embracing, Sadie!

Our first experience with making a claim with Embrace has been excellent. The procedure was quick and thorough.
5

out of 5

POSTED: | BY: Enid Alicea-Wyre

Fast review and reimbursement!

My dog Billy was admitted to Oradell Animal Hospital for diarrhea and loss of appetite. He spent 2 nights in the hospital. The bill was almost $5,000. I submitted the claim, and Embrace processed it promptly. We received approximately 50% reimbursement, which was a tremendous help. Thank you Embrace!

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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