Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Marlo Crowder

Wonderful assurance with Embrace!

Charlie Brown had experienced vomiting, dehydration, diarrhea, and loss of weight as a result of his surgery. This was a very stressful time for me and Charlie Brown, but he is feeling much better now and is back to his playful self. Submitting claims for the illness is super easy. Embrace handled my claims so quickly and with such professionalism. Reimbursement is very fast. I am highly impressed with the personal customer service that Embrace provides via email and/or phone call. Embrace representatives are very personable and reaches out to ensure you are satisfied.
1

out of 5

POSTED: | BY: Elaine Stansfield

Claim decision

Not sure how I am supposed to see the claim decision.The pet in question is now deceased, so you have taken him off the portal. Also, I have not seen anything in writing about the claim decision. It would be nice to get some sort of an update, other than assuming that you have denied the claim
5

out of 5

POSTED: | BY: Geri Bidgood

Pathological resorption of tooth

finding my dog needed to see a veternary dentist,& knowing it was not probably not going to be easy on her whatever the diagnosis. The Vet she saw confirmed she had a condition called Pathologicalresorption of her canine tooth. I was very pleased Embrace covered this expensive procedure @ 80% ( my contract reimbursement rate) & I was reimbursed in 1 week. Thank you Embrace.
5

out of 5

POSTED: | BY: Michele Leary

Great pet insurance

Embrace has been great compared to other insurances. They already approved 2 claims since I've had them only a few months.
5

out of 5

POSTED: | BY: Jennie

So glad we chose Embrace!

We recently adopted two kittens, Brother & Sister who are now 10 months old. We have already used our wellness plan for all of the regular checks and fixing. Brother recently had a scare and they thought it was his heart. The tests he needed ended costing over $1000. In two visits our insurance for Brother has paid for itself. Fortunately he doesn't have a heart problem but he does have asthma. So glad we were able to get the testing we needed so we could properly care for Brother. We are on a budget like most people and Embrace is the way to go. Customer Service is A+!
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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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