Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Ann

Thank You

After having a dog that had cancer and racked up $1,000's in medical bills only to loose the battle in a few short months, I decided to get pet insurance for the puppy. Embrace has been a life saver to me. This summer he got foxtails in his ears and before it was over I was so glad to have the insurance. They paid rather quickly and they were so helpful on the phone.
5

out of 5

POSTED: | BY: Theresa Dio

Embrace has been extremely responsive

I adopted a Greyhound from the race track and, although she is very young, she has had a couple of health issues. The claim process was very easy and Embrace approved these claims and processed them very quickly. They are a vast improvement over the other health coverage I had in the past. I would highly recommend them.
5

out of 5

POSTED: | BY: Jodi M.

GREAT EXPERIENCE

Finley is just a little over a year old. We have had multiple claims to Embrace since we got her... sprained foot, stomach issues, allergy to food, and an eye infection. I cannot say enough about Embrace.. their customer service every time I called, their follow up and timely claim process. Only thing that would really help is to be able to email a claim in. But, that is the only suggestion I would have. They have been just amazing to deal with.
5

out of 5

POSTED: | BY: Linda Van

Embrace has paid claim as promised.

My dog was diagnosed with cancer. We went to the OSU Vet. School for diagnositics and a treatment plan. The total estimated amount of Treatment would exceed $5000. I submitted a Preauthorization claim to Embrace. It took about 2-3 weeks, but they approved the Treatment. If I decide to proceed with Treatment, I am assured Embrace will cover the claim. I appreciate knowing The amount of reimbursement. I use to have VPI, they never would preauthorize, so I never knew what amount of reimbursement I would get. I am happy I changed to Embrace.
5

out of 5

POSTED: | BY: Julie

Great Experience

This is my second year with Embrace. First year just ha wellness claims for my boxer puppy and they paid promptly. Well worth the money. This year (2nd year with the insurance) had numerous claims due to puppy's allergies. Embrace handled the claims promptly and was great. Really helped out with the expense. The communication via email was great and their website made checking on status very easy.
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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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