Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Anna M.

Microchip claims paid as wellness rewards benefit

I wasn't sure if the microchips my two cats received would be paid by Embrace Pet Insurance (I obviously didn't read through the coverage information), and was delighted that they were both covered! My cats received great care from my veterinarian and then I was rewarded by Embrace Pet Insurance for taking good care of my cats' health and well-being in the unlikely event that my cats would run out of the house and get lost. Thanks Embrace Pet Insurance!!!
5

out of 5

POSTED: | BY: Al Curras

Great service

It has been great dealing with Embrace. They took the initiative to get additional information from myself and the veterinarian to resolve the claim. Result was fair and pretty quick. I would recommend Embrace to all pet owners.
5

out of 5

POSTED: | BY: Mark Diglio

Highly Favorably Responsive

The Embrace staff are highly responsive to claims, review and reimbursement. I’ve only been with them a few months, but my first claim submittal under the wellness program was quickly resolved without hassle. So far, I would recommend Embrace to anyone looking for a reputable health insurance carrier.
5

out of 5

POSTED: | BY: Butch Madaj

Embrace processed my claim in minimal time!!

My mastiff had some issues which required some teeth work, claw sanding, and checking his ears. Got everything done and submitted the claim within a couple of days to Embrace. Within 10 days I had my check in hand and everything Embrace briefed me on as far as the whole process was spot on!!!
5

out of 5

POSTED: | BY: Donagene Jones

Excellent Service with a friendly touch :)

We have an Alapaha Blue Blood Bulldog that just turned three and was diagnosed with Osteosarcoma and Metastatic Cancer. We are devastated since that horrible day August 27th, 2013. We chose to amputate his leg to rid him of the pain he had been in for six weeks while we thought it was just an injured knee. It all happened so fast and expenses came quickly. We felt comfortable in choosing quality of life for our baby Bobbo. Embrace took all the claims and within a few weeks turned everything back to us that they had promised. We are facing a horrible situation and Bobbo isnn't supposed to live past November 1st but we have a great Oncologist, Dr. Alice Villalobos, and a good plan so we're as hopeful as we can be from day to day. Bobbo is doing well and that's what counts. We have our second round of Carboplatin tomorrow in LA. Thanks Embrace on making it feasible to enjoy our baby a bit longer with all the treatments.
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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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