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.
1

out of 5

POSTED: | BY: KL

Do NOT recommend

Unfortunately, our claims experience with Embrace has been less than satisfactory as every claim we submit, despite multiple emails, written justifications, letters from the vet, invoices etc--they have denied any claim over $200. Embrace continues to allege that a mass from three years ago is related to a new mass. Embrace has denied this claim entirely (over $3,000) We are appealing with the hopes that statements from a veterinary oncologist and our vet reiterating that the two masses are unrelated -- will be enough.
5

out of 5

POSTED: | BY: Cynthia Reidinger

Rapid Service

After having Embrace for several years, I submitted my first claim for my dog, Cuatro, who had an emergency visit. Paying the premiums over the years has given me peace of mind and now I truly appreciate how valuable this insurance is.Embrace made filing claims totally painless! I was amazed at the turn around process time.
5

out of 5

POSTED: | BY: Stephanie Morgan

Amazing!

We have 2 7 year old golden retrievers. Our male has struggled with skin issues due to allergies for many years. From multiple visits to the vet, as well as allergy testing, Embrace has been there & always backs us up. Our claims are so easy to file, we get an email acknowledging the claim was received, and reimbursement all so quickly. Embrace goes above & beyond our expectations. We will never have a pet without being covered by Embrace!
5

out of 5

POSTED: | BY: Jean Norelli

Very happy and relieved at the easy quick service

I have a puppy who has been a constant medical problem throughout his first year. As a garbage mouth we have had to visit the emergency room both of ingesting chocolate cake and socks. Then there was the really scary event of pneumonia when I almost lost him. Each time Embrace was quick to review and pay the claims which meant I didn't have to add financial hardship on top of everything else. I am very grateful I chose them for insurance both for puppy and for my two older cats.
5

out of 5

POSTED: | BY: Mike Leonard

Outstanding service with Embrace!

I have only had wellness visits with my puppy, but Embrace has covered all my bills. I'm always met with warm friendly service, and receive prompt updates throughout the claim submital and reimbursement process. Thank you! Processing time is quick, and the whole process is easy.
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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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