Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Jeannette Calderon

Simply Amazed at Embrace

Wow, I am amazed at how quickly and equitably they processed my claim. They reviewed my claim and did not come up with any gimmicks for denials and exclusions. Is that remarkable, or what? The representatives are sooo helpful and friendly, it's a pleasure to deal with them. I am so happy I switched from Trupanion.
5

out of 5

POSTED: | BY: Todd Shuffler

Help at a nervous time.

WE have 2 cats, both sick at the same time. Only one is insured, the other is too old, but having help with paying the cost of the younger was help when wee needed it. Thanks
5

out of 5

POSTED: | BY: Donna Mazzenga

Happy with Embrace!

I've heard a lot of good things about Embrace and it was recommended by my Newfoundland breeder who is a veterinarian. I love that Embrace does a medical review and lets you know up front what they consider to be preexisting condition(s) - there are no surprises. I'm also happy to learn about their Precertification policy. Happy with Embrace and I recommend them to everyone. I just wish they could provide illness coverage for my eight year old Newf, but he does have accident and Wellness coverage with Embrace - happy about that! I would rate them a 10 if they would insure my older Newf. Happy with recent claim for our 18 month old Newf Poppy - handled quickly!
5

out of 5

POSTED: | BY: Jen

Very user friendly

I had never bought health insurance for any of my dogs but decided it might be a wise choice when I brought home an 8 week old Great Dane puppy. He is now 10 months old and we've been to the vet more times than I can count! I've submitted all of my claims via FAX and it has been super easy and convenient. When I submitted the last two claims I reached my deductible and Embrace reimbursed me within a week! I have recommended Embrace to other Dane owners looking for reasonable prices, and good coverage.
5

out of 5

POSTED: | BY: Joan

A Freebie that paid!

I have never had pet insurance. I got a new Frenchie from an extremely reputable breeder in Canada and she was already signed up for a "free trial" with Embrace for 2 months. Never in a million years did I expect she would acquire an autoimmune disease. This was her diagnosis after thousands of dollars of exhausting testing. I had a very sick little puppy. The GOOD news is Embrace paid me 5 thousand dollars (yearly max under the trial plan) NO QUESTIONS, QUICK AND EASY. The BEST news is she is now recovering. Needless to say I am signed up with Embrace for all my dogs forever!
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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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