Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Chris

Our Embrace Pet Insurance saved us and our Dog!

We live in Sherrill, NY. We started our Embrace Insurance Policy for our Yorkipoo in January of 2015. The total monthly premium is only $32.40 per month. In November 2015 our dog become ill and was bleeding from her urinary track. Our vet found a blockage/stone the size of a marble. She required surgery. The total Vet medical bill was $1953.93, and Embrace covered $1488.06. This was after Embrace already covered $200 in covered Wellness Vet visits and medications. We are so happy we have Embrace Insurance, especially around the holidays. They paid our insurance claim in less than 10 days with no hassle. Thank you Embrace!
5

out of 5

POSTED: | BY: John

Embrace is the only pet insurance to look at.

I have 2 beagles insured with Embrace. So happy I picked Embraced. Had a wellness claim and it took very little time for claim to go thru and be paid. You can find everything you need on the website for submitting claims. 3 ways to submit your claim which is nice. Gives nice detail on your claim process. What is really nice is it list your coverage amount, deductible amount and shows how much you have used and or left. Great detail in one space about your coverage. The 3 times I have talked to someone on the phone they have been very helpful and very nice. If your considering pet insurance do yourself a favor and get Embrace.
5

out of 5

POSTED: | BY: Nicole

Chacha and embrace

At first I was hesitant to get pet insurance but since my 10 year old cocker spaniel was aging I knew it was time to get her insurance just in case something happened. Sure enough ChaCha was diagnosed with a malignant mast cell tumor and I'm thankful that embrace was there to help us cover the cost. Anytime I've had questions the staff have always been more than helpful and process things within a reasonable time. Glad embrace has been with ChaCha and I through this process. She will soon be cancer free!
5

out of 5

POSTED: | BY: Rachel

Excellent Customer Assistance and Communication

Excellent Customer Assistance and Communication.My dog has some discharge coming from her eye and after sending the documents to Embrace, it was covered!
4

out of 5

POSTED: | BY: Kennis

Doing the right thing

Embrace has never argued with me- they just apply the rules and then pay or don't pay accordingly. I have experienced good results with them paying for various illnesses with my dogs and will continue to use their service for any future pets. I just had a big expense with one dog's intestinal problems and they sent me a check for $1,300+.
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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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