Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Nicole

Very Cooperative, Excellent Experience

When processing a claim along with a pre-approval for continued treatment, it was a pleasure to work with the Embrace staff. They were very helpful in explaining what they needed from me. They were very cooperative throughout the process and approved the claim and pre-approval. I appreciate having the pre-approval process, so it's clear early on if continued treatment will be covered. It was quite a relief to have that approval first and allow us to focus on treatment and getting our dog better.
5

out of 5

POSTED: | BY: Lois

very helpful to new pet insurers

The only reason I'm not giving a 10 is I've never had pet insurance before. The staff has been excellent in helping me understand the insurance process and filing/handing claims. Our dog is a rescue without a medical history so we wanted to be prepared for any problems. This has been a great help.
5

out of 5

POSTED: | BY: D

Quick reponse

Thank you for your quick response to my claim. I've been very impressed with the turnaround time on my claims & with Embrace in general.
5

out of 5

POSTED: | BY: Jodie

Poster Child For Pet Insurance

Our poor golden retriever has had such a tough year! She has had to have 3 surgeries, two of them major, in the last 5 months. I can't say enough about the service we have had from Embrace - they have processed the claims we've sent in quickly and have provided coverage for everything. What a relief this has been during such a difficult time. We have now had pet insurance for our dogs for 9 years and we tell all pet parents we know what a good investment it is! You happen - sometimes in bunches like it did for us this year.
5

out of 5

POSTED: | BY: Brian

Easy Process, Good Service

We didn't know exactly what we would need insurance for, except that our dog always ended up in the Vet a few times a year for something. Then, earlier this year he developed some issues with his back right leg. Embrace has done a good job covering the various tests and procedures and I definitely feel I've gotten my money's worth and more.
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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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