Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Liz

Great coverage and service

I've always been very happy with how quickly my dog's wellness claims were processed in the past. He was recently diagnosed with cancer, and Embrace has processed the claims for surgery and related tests and reimbursed my expenses with no hassle. It has really taken a lot of worry about finances out of a difficult and stressful situation and allowed me to just focus on taking care of my dog. Also, if they have a question about the claim they just contact the provider for what they need rather than sending it back to me - they are very customer friendly. The notifications of receipt of claims are prompt and they keep you informed of where they are in the process. I am very thankful for the coverage and have been very pleased with the professional and quick reimbursement. Anytime I have contacted customer service with a question, they are very quick to respond.
5

out of 5

POSTED: | BY: Denise Bravo

Thank you review

Its my first time purchasing pet insurance. After, my dog had an accident that involved emergency care and the cost out of pocket was more than $700. I realized that i needed Pet insurance. I started researching many pet insurances. What i really enjoyed about Embrace insurance was that the wellness part of the insurance covered me, right away on the same date i purchased the insurance. After that my decision was easy and i decided to purchase Pet insurance was Embrace. Overall, i am glad for my decision.
5

out of 5

POSTED: | BY: Joncien Lee

Great, easy experience.

My experience has been very positive. I chose Embrace over other insurance because of coverage. I would do a in depth review so you understand what is covered and what is not. There is no sense in getting upset that something isn't covered that you never paid for coverage for. I do think in general Embrace covers more than most or gives options to cover more. I didn't give a 10 rating because I have only ever used Embrace so don't have a comparison.
5

out of 5

POSTED: | BY: John

Claim reviews when pre-existing conditions apply.

Pre-existing conditions pose a claim resolution challenge. Embrace has consistently given our claims a thorough review, even when we tell them we believe a prior related incident of a related condition may still be so classified. Thank you
5

out of 5

POSTED: | BY: David

Melanoma Surgery

I discovered a lump on the floor of my dog's mouth. It was supposed to be nothing, but ended up being Melanoma. The path to healing required many tests, consults, and a surgery. Submitted 5 seperate claims and all were approved quickly, and paid QUICKLY. Each time I called, they even asked how my dog was doing. I wanted pet insurance, because I didnt want money determining if my dog lived or died. I am glad I found Embrace and would recomned them to anyone. My dog is now on the path to recovery, and I can get back to my financial goals, instead of paying off credit card debt.

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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