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: Eve T.

Wonderful Company!

A couple years ago I purchased Embrace insurance knowing I would eventually run into high expenses for our great dane BooBoo. BooBoo was diagnosed with osteosarcoma, it was devastating but the Embrace representatives made the whole oncology care and claims process bearable. As a professional healthcare worker I have high expectations of the medical field including the veterinarian field, the Embrace team went over and beyond their duties and certainly beyond my expectations. We lost our beloved BooBoo but thank you Embrace team for making this devastating process a little easier.
5

out of 5

POSTED: | BY: Jean Leavy

Wonderful pet insurance

My doberman has been treated off and on for 2 years now because of chronic shoulder tendonitis.if I didn't have this insurance, he couldn't go to the physical therapy each week, twice a week. He's on the mend now, and I am very grateful that the reimbursement checks come in a timely fashion. I tell everyone about your company.
5

out of 5

POSTED: | BY: Sherry Slonskk

A great insurance co, wish mine was this good!

Claims processed in timely manner. Staff extremely co-operative. Recommend this company to anyone who needs petm insurance.
5

out of 5

POSTED: | BY: Remi Goldstone

Embrace is the best pet insurance

I am retired and live alone with my two dogs. My little chihuahua was diagnosed with a collapsed trachea and an enlarged heart. I was frantic. I was referred to a dog cardiologist for an echo gram at a cost of $610.00. When I called Embrace a wonderful man named Joshua listen patiently on the phone while I went on and on. He knew I was living on social security and even sent me forms to see if the cardiologist would wait until Embrace paid them directly. It wasn't necessary as my daughter lent me the money; but the peace of mind it gave me was immeasurable .i have a happy ending ; my little Spirit 's heart is fine. He is just so small that the first X-ray gave a false impression of being enlarged.and the trachea is just narrow not collapsed. Thank you everyone at Embrace!
5

out of 5

POSTED: | BY: Cristeen

Super fast claims process.

We went to the vet Monday for our annual exam. We submitted the claim form on Tuesday and on Thursday I received an email that the claim was approved for reimbursement. Great service.

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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