Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Jeri

Re-Payment of lost claim check

Never received a check for a claim I had submitted and when I called to check on it they issued another check immediately. My experience was very nice and the person I spoke to was wonderful. Thank you Embrace.
5

out of 5

POSTED: | BY: Joe

Quick Reimbursement - Minimal Documentation

Our toy poodle Max started to limp when he was about 15 months old. Turned out he had a congenital orthopedic issue. The cost of the surgery, meds, etc. was over $3,200.00. I submitted the claims via email and was reimbursed (up to my chosen policy limits) within 10 days. The claims department periodically kept me informed via email as to the status.
5

out of 5

POSTED: | BY: Gay

THE BEST

I have submitted other glowing reviews so, I will just say, ONCE AGAIN, that EMBRACE is simply THE BEST!! If you are searching for insurance for your beloved dog or cat, stop right here and go with EMBRACE. We have had 4 dogs insured since 12/2014 and, truly, this is a terrific company in all ways possible! We went with high deductible ($1,000) to lower the monthly premium for 4 dogs....but, have $15,000 ANNUAL coverage PER dog; one illness or accident can run into very high costs! Last fall, one dog had mast cell cancer surgery and paying the bills was the least of our worries. We had a board-certified surgeon remove the "bump" and we follow- up now with an oncologist every 2-3 months to check for recurrence. Embrace has been there for us every step of the way! We recommend them to everyone!!!And, they answer the phone when you call!!!! Who does that anymore?! SUPER nice customer service reps who always answer your questions easily and quickly......I should reiterate....they process claims quite quickly and without any "hassle"....they cover exactly what they say they will when you sign on.....incredible peace of mind....get Embrace insurance!
5

out of 5

POSTED: | BY: Deborah

Fantastic coverage

My cavalier Daisy turned 7 and a half and she just went from routine care to needing a lot of extra medical care. Embrace has been fantastic- covering her holistic routine appointments and now her echocardiogram and bladder X-ray.I can't say enough good things. The reimbursements are very quick, usually within 10-14 days. I haven't had one negative experience with Embrace Pet Insurance. Thank you.
5

out of 5

POSTED: | BY: Deb

Very happy

I hesitated for quite awhile before getting pet insurance. Big mistake! It' s been wonderful. Embrace makes it easy and convenient.
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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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