Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Mike Friedman

I've been very pleased

Embrace is very easy to deal with. We chose them after our other policy was cancelled (they knew all along our dog was a Frenchie, but even after making no claims they cancelled us). Embrace has been super easy to deal with. They allow you to set up direct deposit of payments which is very convenient (and more people should do that in the US!) The ability to submit claims electronically is very easy, and they process them within a few days. From start to finish it's very quick. We've been very pleased. Knowing that 80% of our dogs recent hospitalization would be covered was a nice peace of mine. For people like me who would prefer paying out over the course of years in premiums instead of being confronted with a big huge bill all at once, Embrace is great.
5

out of 5

POSTED: | BY: Arthur Rochester

Not Just Another Insurance Company

Embrace is more than an insurance company. Laura Bennett and her embracers are saving the lives of pets that might not be alive today without their financial help and sage veterinary advice. At the age of 6, my dog Pancho was diagnosed with Cushing's disease, which is normally a slow and painful death sentence for many animals. Month after month and year after year, Embrace Pet Insurance has been picking up most of the vet bills and pharmaceutical expenses that have not only saved his life, but have made his life worth living. Embrace has facilitated the timely and extensive treatments made necessary by Pancho's compromised condition. Thanks for being there when we need you most, Laura.
5

out of 5

POSTED: | BY: Nicole T.

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 Cross

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 Koenig

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.

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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