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: Linda

Great company, helpful people.

I am very happy with Embrace. They have processed claims quickly, direct deposit my reimbursement. They have even emailed asking if I got the reimbursement.I had VPI before and was very unhappy with the small reimbursement, they would not PreAuthorize treatment. My dog has Cancer and Embrace PreAuthorized the treatment plan, so I knew before treatment everything would be covered.
5

out of 5

POSTED: | BY: Catherine C,

The best insurance company for my Cookie.

Thanks for the update. Did ya'll get the snail mail form I sent? I think I mailed it from the post office. Anyway, I did fax the info from the Vet's office. Thanks again. Catherine C. Williams
5

out of 5

POSTED: | BY: Brianna

Wouldn't be able to keep my dog without Embrace!

As a college student, I wouldn't have been able to keep my dog after he was diagnosed with Epilepsy a month after adopting him. Embrace is timely in reimbursements, extremely helpful with concerns, and truly cares for all their clients and pets. I recommend Embrace every time people ask me about Troy and his insurance!
5

out of 5

POSTED: | BY: John Safin

Very helpful to have insurance with 8 dogs

Ginger had surgery to remove two lumps on both his back legs. We weren't sure if they were cancerous or not. After the test came back, we found out that they were not. It was costly just to find out the results, but having insurance with Embrace helped to pay the cost. Ginger is recovering and is back to his playful self again. Thanks Embrace.
5

out of 5

POSTED: | BY: Leah

Easy Claims Process

I got Embrace insurance for my three dogs just to be safe. They are pretty healthy, so I didn't really anticipate using it. Well, of course, right after I got the insurance (like 3 weeks later), one of my dogs ate chocolate that was hidden in a gift. A few months later, my other dog got in a fight with another dog and got bitten. So I ended up filing multiple claims in the first year. I was surprised at how easy the claims process was - I just filled a few boxes in on a 1-page form, took it to the vet so they could fill in a few things, and then submitted it online with scans of the vet records. It just took a few minutes for each claim. Within about 4 days of submitting each claim, I got an email that my claim was approved. About 4 days later, I got the checks. I'm very happy with Embrace, even though I do feel a little bad for having to make big claims in my first year, and I'm relieved I got this insurance.
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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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