Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Lynne

Impressed

I was very impressed with the helpful assistance and prompt reimbursement after my lab tore his CCL and had surgery. I confirmed the process with them, paid the bill, and the clinic submitted the claim. Very pleased with this insurance. Thanks Embrace!
5

out of 5

POSTED: | BY: Lori

Great Experience!

The staff at EMBRACE are always compassionate, helpful and seem to genuinely be on YOUR side. This is my first experience with pet insurance and I'm still learning the ropes in regards to the claim game but they have been very helpful and knowledgeable. The reimbursements arrive in a timely manner and everyone I have spoken with on the phone (and it has been quite a few) has been more thank kind. I feel fortunate to have selected EMBRACE for my pet insurance needs.
5

out of 5

POSTED: | BY: Tom

Incredibly fast service

My 5 year old golden was diagnosed with lymphoma, which is treatable but costly. Embrace has reimbursed all of my claims very quickly, typically within 2 weeks. I have been pleasantly surprised about how easy the reimbursement process is with embrace.
4

out of 5

POSTED: | BY: Braly

So far, so good

I've only been with Embrace for about two months now, but so far everything has run smoothly, and everyone has been very helpful. I think think they offer a great deal that is affordable, but covers a wide range of things for your pets!
5

out of 5

POSTED: | BY: Laurel

EOB are accurate and pays what you expect

My dog was diagnosed with an aggressive cancer that I would not have been able to afford treatment for without this insurance. Thus far my experience with Embrace has been positive - they cover exactly what they say they will, according to the actual vet's bills (not judged against an "allowable cost" metric). The communication between my vet and Embrace has been slow, but once Embrace received the information they were prompt and good with explaining the math for deductibles and rates accurately. I expect that now that the initial diagnosis and medical history has been processed, the other treatments for his cancer will be processed much faster.

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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