Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
4

out of 5

POSTED: | BY: Cheryl

couldn't be more pleased

My weimaraner puppy has had some serious intestinal issues which required a complex surgery and some complications afterward. I am very happy with the handling of the claims and the prompt attention and payment, with just one drawback. I believe Embrace's expectations of the veterinarian are unrealistic. To require them to elaborate on treatment when they provide a detailed invoice is taking up their time and costing them money, when they receive no direct benefit from the claim. My fear is that as this happens more and more, my vet will refuse to take the time to do this. Other than that, Embrace has been one of the best decisions I've made.
5

out of 5

POSTED: | BY: Elise

Thanks goodness for Embrace

My guy was diagnosed almost 2 1/2 months ago with a pulmunary mass (cancer). I can honestly say that if werent for Embrace, he would not be with us and fighting this cancer today. Dealing with cancer is an incredibly expensive prospect, and if we did not have him insured, we would not have had the chance to fight this disease. I feel blessed for every extra, great day that we have with him. We still have a bit to go, but I have to thank Embrace for making this all happen. They have been quick to respond to my every claim, and have been so kind with any questions about procedures and coverages. The best news was that when my coverage begins its annual renewal, there will be no "pre-existing" condition given to his current situation. So if we have to continue to fight the good fight, there will be no question whether we can or not! Thank you, Thank you, thank you!!!
5

out of 5

POSTED: | BY: Mike

Highly recommend

I have had Embrace Insurance for our Great Dane for just over a year and it has been awesome. We have had a run of bad luck with surgeries and ER visits and every time I think "this time I won't be reimbursed", I am wrong. Embrace has saved me thousands of dollars in just the first year - and at this point, I am hoping that I don't need them any more.... On top of that, their customer service could not be more friendly and all payments have arrived within weeks of filing claims. I strongly recommend for anyone with a pet and especially those like a Great Dane who are prone to having issues.
5

out of 5

POSTED: | BY: Jean

Lame Doberman

I have been constantly impressed by this company. Unfortunately our doberman had had forelimb lameness in the past and it has become chronic. Lately he developed iliopsoas syndrome in his hind legs. So we go to physical therapy twice a week to help him get well. Embrace sends my reimbursement checks in very reasonable time, I have spread the word to everyone about this company.
5

out of 5

POSTED: | BY: Katie

Swollen Face/Facial Abscess

I was in and out of my vets office and a specialty clinic for over a month. To figure out what was wrong with my dog. Her face was swollen and continued to swell after 2 weeks. After countless examinations and a CAT scan. There was no finds of a feign body or cancer. Thankfully the antibiotics started to work before we did an exploratory surgery! She is doing much better. Not 100% yet but extremely close! I scanned and emailed all of my claims. Embrace started processing my claim within 2 days of being sent the documents. I have always had excellent service with this company and they are very personable. The majority of the time they email to confirm my deposits from my reimbursements! I love this company and have never have a unpleasant experience with them!

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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