Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Alice Badecker

Great Customer service

Professional and quick follow up. We had a problem that we thought we had not received a claim check in the mail...they quickly researched it and reissued a check. Thank you
5

out of 5

POSTED: | BY: Chelsea Caines

Fast claim response and reimbursement!

I recently took my German Shepherd Mix to the vet and purchased some Flea/Tick and Heartworm medication. I utilized my Wellness Plan for reimbursement of these costs. Even though the costs weren't high, their response to my claim was quick and I was reimbursed 100%! They stayed true to the terms of my Wellness Plan and I'm definitely satisfied. I'm glad I chose to protect my pup with Embrace.
5

out of 5

POSTED: | BY: Kate

Such a stress free experience

My eight month old English Bulldog got Cherry eye less than 2 months after having cherry surgery for his other eye. Poor little guy couldn't close his eye and was so uncomfortable. I called Embrace to let them know my vet was sending in a pre certification quote for the surgery and asked if there was anyway they could turn it around ASAP so Cromwell could get his surgery and start feeling better. Milena was so sweet and helpful and I received a response in ~12 hours. It really took the stress out of what is going to be a pricey surgery. As English Bulldogs are prone to a lot of health problems, I have submitted a lot of bills and have had a great experience every time. Thank you Embrace!
5

out of 5

POSTED: | BY: Patricia Rogers

pre-authorization for knee surgery

I sent in a pre-authorization for my dog Snickers for her possible knee surgery. Once Embrace received the records from my Vet the claim was approved in less than 48 hours. I am very happy with the amount they will pay for this very expensive surgery. I will recommend Embrace to all of my pet owner friends.
5

out of 5

POSTED: | BY: PATRICIA ROGERS

Snicker kept popping out her knee

We took our dog, Snicker to the Vet because she kept popping out her knee. We then took her to a specialist for an estimate on the surgery to fix the problem. I submitted 3 claims to Embrace. After receiving the records from the Veterinarians, which took some prompting, the claims were processed in less than 48 hours. I have never had an insurance company process a claim so promptly.I am completely satisfied with the amounts they paid. I love Embrace and will refer them to all of my friends. This is an A+ company
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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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