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: Lindy

Excellent service and coverage, no questions asked

My pets have been "embraced" for several years and I am so happy with this company. I have made several large claims, which have been covered by Embrace with no questions asked. It is wonderful to know that I can make the best medical decisions for my pets without wondering if it will be covered. Thank you, Embrace!
5

out of 5

POSTED: | BY: Diane Wolak

Embrace is a Great Canine Insurance Company

My Golden Retriever was diagnosed with a fibrous cancerous tumor on one of his toes. I submitted a pre-certification for amputation of the digit and had approval within 2 days for the surgery. Surgery was performed on 1/19/16 and my refund was in my bank account in less than a week's time. Also, Embrace contacted me a couple days after surgery to follow up and see how both my Golden and I were doing. I can't say enough about how much Embrace insurance means to me. I have had them for close to 10 years for two different Golden Retrievers and they have always been the best and have always come through quickly with my refund every time I submitted a claim. It's too bad human health insurance can't be more like them.
5

out of 5

POSTED: | BY: Vadim Kligman

Excellent

We have nothing but great things to say about Embrace. From rates to coverage, from claim submission to resolution we have experienced sheer excellence from Embrace and its staff. No misrepresentation, no ambiguity. Thank you very much for the excellent service! This has been "Nothing but net!".
5

out of 5

POSTED: | BY: Patricia Visco

Embrace is a Godsend

Our six year old Tibetan Terrier has been receiving chemo for lymphoma for the last 4 months. Embrace has responded very quickly to our claims and paid exactly what we expected. Their customer service staff is very professional, pleasant and well-informed. We are very pleased with the overall performance of Embrace insurance.
5

out of 5

POSTED: | BY: Patricia Torres-Burd

Our pets are precious

We have two Bernese Mountain Dogs. Embrace has been a wonderful partner in assuring their well being and also in terms of urgent care. We highly recommend the team at Embrace for their professionalism, service and most important personal follow-up. The ease of filing (and immediate response) status check of claims and payments on claims is impeccable.
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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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