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: Mary Welker

Lab Swallows Razor

I don't typically run to the vet unless I really feel it is necessary but when your dog swallows a razor, well it becomes necessary. I really could not afford a huge vet bill but I could not afford to lose her either. It 's nice to know that when you really need the help Embrace is there to help. They make submitting a claim effortless and they are gems to deal with. I'm 50 years old and didn't believe in pet insurance until I went with Embrace. I wish they did family health insurance!
4

out of 5

POSTED: | BY: Jean Leavy

Nice to have Embrace in my corner

I have a 5 year old Doberman who had been lame in his front leg for months. Our regular vets tried many conservative treatments to no avail. It was suggested that we seek the orthopedic vet specialist. We did that, he had shoulder arthroscopic surgery and is getting post-op physical therapy. I'm happy to report that he is lame no more. More importantly, a very expensive and long treatment has been re-imbursed by Embrace. As I mentioned, its so nice to have Embrace in my corner --I do tell everyone at the vets about you guys. Also, my daughter just added a great dane puppy to her family and is also enrolled in Embrace.
5

out of 5

POSTED: | BY: Mark

They Did the Right Thing

Bohdi broke two teeth in September and the extraction and medical procedure was more then $500. When our vet did the procedure they also cleaned his teeth. The initial response from Embrace basically said they could not cover the cleaning and anesthesia because it was not part of and "accident". I spoke with them and they asked for a letter of support from our vet. They wrote explaining that the cleaning was an important part of the procedure for the broken teeth. Embrace reconsidered and payed a significant portion of the bill. I understand their original position and think it was really very good of them to reconsider based on more information.
4

out of 5

POSTED: | BY:

Get Insurance before pet

5

out of 5

POSTED: | BY: Bill Sawyer

first claims in 4+ years

After filing claims I thought the processing time was a bit long. Computer upgrade was the cause? but once fixed, claims were processed and checks mailed with follow up to see delivery time. Service and coverage after initial glitch has been excellent.
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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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