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: Sean

Great Company

Our family friend (some call him a dog) tore his crucial ligament and required surgery. I sent a claim form into Embrace to get pre-approved and received approval back extremely fast. The surgery was completed on 9/4/2015 and I submitted the claim form on 9/5/2015. I received the check for reimbursement on 9/14/2015.This $3000 surgery cost me less than $1000 out-of-pocket thanks to Embrace.
5

out of 5

POSTED: | BY: Shelby

Embrace Experience

I have never had insurance on a pet before however I recently got a french bulldog and I know they are sometimes prone to health issues so I thought it would be a good idea. I am so grateful and relieved that I did decide to have my pet covered by embrace. Any instance that we have ever encountered my claims have been covered by my policy including breed specific conditions. All of the staff members I have encountered have always been friendly and extremely helpful. I have never had any issues, I am very satisfied and happy with the care I receive from embrace. The claims I have needed to be covered have been processed and reviewed by embrace very quickly (within a 1-2weeks). I recently got my pet neutered which was not covered by my plan and I was aware of that when purchasing his coverage, however the medications such as his antibiotics and anesthesia were covered with his policy, i received my check within 2 weeks of submitting the claim. He also had a breed specific condition which was referred to as brachycephalic, he had an elongated palate, this was also covered with his plan as a breed specific condition no questions asked.
5

out of 5

POSTED: | BY: Jennifer

Im saving so much money

Ive looked at other plans online and they dont compare to this company
5

out of 5

POSTED: | BY: Ashley

Love Embrace

I Love Embrace..they are extremely easy to work with. Whenever I call with questions, I always get a representative right away and they are very helpful and great to work with. I get my claim back quickly and it is always more than I expected. I recommend Embrace to everyone I know with a pet.
5

out of 5

POSTED: | BY: MZ

Good pet insurance company

I have been with Embrace pet insurance for almost half a year and filed 3 claims. I got my reimbursements very quickly. Before I purchased this pet insurance, I searched all the good-reviewed pet insurance. It seemed that Embrace has a generous policy and the monthly charge is more affordable. After being with it for half a year, I did not regret at all. Just one quick tip: buy the Rx coverage. I did not buy the Rx coverage but I added it later.

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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