Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Karen

Great service

I have Embrace insurance on all three of my pets, 2 cats and a dog. My cat, Sunshine, stopped eating and eliminating. After x rays and ultrasound, blood work and urine analysis, she turned out not to have any tumors or obstructions, but a very stubborn bladder infection. Not only did Embrace pay the 80% promised for her diagnostics, but gave me a Healthy Pet discount so that my deductable was only $50 instead of $200. Each year my cat is healthy and doesn't need a claim reduces my deductible by $50. I think it is a nice way to reward pet owners.
5

out of 5

POSTED: | BY: Rachel

So worth

Have been a customer for 7years and the service has been great. Form is easy for Vet and myself to fill and submit. Claim is process very quickly. Customer service amazing when ever I call. Meatball has been very health since birth until now which he was diagnosed with congested heart failure. Submitted claim and processes with no problem. Reimbursed via direct deposit. So worth the insurance, no regrets in having it. I will highly recommend to anyone.
5

out of 5

POSTED: | BY: Pam

We LOVE Embrace pet insurance!

We have boxers and every time I have had to use Embrace, I have been extremely happy with their service. One of my boys had to have double TPLO surgery at the age of 3. We took him to Gainesvilles teaching hospital. The cost was well over $4000.00. With in a week of paying the bill..Embrace reimbursed us 80% of the bill...directly deposited into our account. We are so blessed to have this awesome coverage for our fur babies.
5

out of 5

POSTED: | BY: Scott

Awesome Customer Service

Purchasing pet insurance from Embrace has been one of the best decisions I've made. Our lab has allergies which require monthly shots and oral medications - all of which have been covered. Combine that with the cost of surgeries to remove skin lesions and swallowed foreign objects I'm not sure that we could've done it without Embrace. The coverage, customer service, and expediency processing claims have won us over - never again will we own a pet without insurance!
5

out of 5

POSTED: | BY: Eli

Peace of mind with Embrace Pet Insurance

My philosophy with insurances is to be covered in case of catastrophes, which I hoped would never occur. Unfortunately, my beloved and very healthy 8 years old Bernese Mountain Dog suffered cluster seizures that required emergency hospitalization, a neurologist exam and an expensive MRI. Our family experienced intense emotions and stress levels and the expensive bills just added to the stress. Dealing with Embrace was amazingly smooth and straightforward. The claims were reviewed and approved quickly. We received all the needed support for our peace of mind and enable us to make the right decision in a dire situation. For that I am grateful to Embrace.

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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