Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Sandy

Lucky

I was very impressed how quickly I was reimbursed for my cat Lucky preventative care.I just adopted a 9 week old kitten added him to Lucky policy. The representative was efficient answered all my questions and Indiana (after Indiana Jones) was enrolled in a matter of a few minutes.I would recommend Embrace to any pet owner who cares about the health and welfare of their pet.
5

out of 5

POSTED: | BY: Cindy

Thank goodness for Embrace!

After researching many pet insurance companies, I bought an Embrace policy on our two-year-old golden retriever last September. She was wild and crazy, and I could imagine a torn ACL or similar injury brought about by her running, leaping, and wrestling with her friends. Little did I know then that, within just a few months, those play dates would start leaving her in pain and barely able to walk afterward. A referral to a neurologist and many expensive tests later, an MRI uncovered abnormalities in her spine that were causing pain and stiffness, and that would cause irreparable damage had we not modified her lifestyle. I can't say enough about how impressed I am with Embrace. Our policy has paid 80% of all covered treatments and tests including the expensive MRI, and, in every case, I've received our check in less than two weeks. What a good feeling it is not to have that nagging worry about how much it's going to cost to give our girl the veterinary care she needs!
5

out of 5

POSTED: | BY: Sheila

Amazing

Thor my Sammie suffered a seizure. Submitted my claim on June 26 and was processed and closed on July 1, my reimbursement should be in my account in a few days. Embrace Pet Insurance is amazing with the speed they handled this claim. Thank you!!!
5

out of 5

POSTED: | BY: Kira

Highly Recommended!

I got Embrace when I got my first Brussels Griffon as a puppy. She developed some anal gland problems and Embrace never flinched. They even pre-certified her for surgery, but luckily, she never needed it. No question about getting Embrace for my next two Griffs. My first Griff, at seven, has a small mass on her side that the vet recommends we remove and biopsy. I just received the precertification for the full amount, and I received it within 24 hours of sending it to Embrace. Great customer service and they cover everything the Illness and Accident package said they would cover. Nice:)
5

out of 5

POSTED: | BY: Lynne

Fast accurate reimbursement and customer service from embrac

I love working with this company embrace pet insurance they are fast detail oriented and quick to respond to claims and make payments I am so happy that I joined embrace from my pet insurance needs
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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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