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: Minnie

This insurance has been amazing!

I feel assured that my pet is covered every time we visit the vet for an appointment. When I have questions I get a response fast and I can even email a questions and it is still responded to in a timely manner.
5

out of 5

POSTED: | BY: Rebecca

I like that well visits are covered

Sammy was seen for his first well visit.
5

out of 5

POSTED: | BY: Debra

Excellent & Reliable Coverage for Cancer

We have had our English bulldogs covered by Embrace for several years now. Unfortunately, two months ago, our 10-year-old bulldog (Bauer) collapsed and was rushed to the emergency vet, where he was diagnosed with lymphoma cancer. Since then, he has been undergoing weekly chemotherapy treatment under the care of a pet oncologist. I have submitted 7 claims over the past 8 weeks, all related to Bauer's cancer diagnosis and treatment. Embrace has approved all of the claims without issue, paying out over $3200 during that timeframe. Just as importantly, I have been receiving my reimbursement deposits in a timely manner, about one week after each claim is submitted. We purchased policies with Embrace to help us in the event that one of our dogs suffered a serious injury or illness requiring expensive treatment. Embrace has been fulfilling their end of the bargain with this cancer diagnosis, and has made a difficult situation easier for us. I highly recommend them, and plan to be a customer for life.
1

out of 5

POSTED: | BY: P.

Overall ExperienceSo you just deny my claim? What

Stay Away! I'm in the military and move around a lot. For some reason they didn't have my pets full medical history and I've been paying them for two years and made no claims. Now that I need the insurance, they denied everything. They requested the medical history from my previous vet on 3 Aug. On 5 Aug, they denied my claims because the vet hadn't sent the requested info, yet. Really...two days. No followup call or anything. Just deny all my claims.
5

out of 5

POSTED: | BY: Janine

Quick completeing claims submitted..

My lab had a very large cyst on her belly causing her to be limited in how long would walk and play her favorite game. Football. Had surgery, submitted claim and in 5 days (including weekend) received emsil letting me know it was covered.
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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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