Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Darlene

Great Customer Service

Our Doxie recently required surgery, and it was the first claim we ever filed. We couldn't have asked for better customer service! The staff at Embrace answered all our questions in such a committed way. In fact, when we had an opportunity to have surgery sooner rather than later, they responded to our request for pre-certification within a one-day notice! Their communication in connection with our claim was superb, and our reimbursement came within a week. For such a difficult time, they made the situation easier. I have recommended insuring furry friends through Embrace to others. Our dog received the best care possible, thanks to Embrace! It was an excellent experience.
5

out of 5

POSTED: | BY: Linda

I appreciate your company

Every time my vet turns in another claim on my wild woman female 5 year old sweet but crazy hunting dog, I am so afraid that Embrace will cancel me! But they never do. She seems to be accident prone as she is into everything and comes out with skin tears and punctures and cactus spines (and yes even a skunk) and since every thing she comes across goes into her stomach, something concerning that will undoubtedly come up! Embrace has covered all of these things - I am very pleased. It is comforting to know that we are covered should anything serious (very expensive) happen.
5

out of 5

POSTED: | BY: Dario

Excellent company

My dog had very expensive orthopedic surgery, and Embrace met its commitments with amazing efficiency and fairness. You cannot do better than this. They rock.
5

out of 5

POSTED: | BY: Jim

Embrace provides insurance in a very caring way.

Embrace provides very comprehensive coverage,and we have never had an issue with a claim. Recently Griffin, one of our Great Danes, bloated. Our Vet commented on the generous fraction of the costs that Embrace covered. Yesterday, I got an email from Christine. She had noted the seriousness of the injury and wrote to inquire how Griffin was doing. This was an extremely kind gesture. We alway get progress emails from Embrace when a claim has been submitted and the settlements are prompt. If some of the documentation is missing in the claim submission, they will contact the vet, making the claim process relatively painless for the pet owner. We have renewed our coverage several times and will continue to do so.
5

out of 5

POSTED: | BY: Rick

I recommend Embrace to our Bark Park friends

Last summer our dog Penny's face swelled terribly, and her breathing became labored from a possible bee sting. A trip to an ER Vet fixed her up, and Embrace quickly applied the bill to her deductible.Late in the year Penny could not keep her food down for several days. Her vet was able to resolve the issue after a two day stay. About this same time Penny began having bladder issues. This was resolved as well. Embrace came through and quickly sent a check covering the bilss upon submission of our claims. We are very impressed with Embrace and the personalized service we received.

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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