Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Richard

Two years, twenty claims, no hassles

I think the title says it all. We've had Embrace since we got Mosby as a puppy. We've filed all size claims, from $75 for a clinic visit to $2200 for an emergency laparotomy. We've had no hassles receiving any reimbursements, all have been the expected amount.
5

out of 5

POSTED: | BY: Peter

Claims paid as expected

I was pleased to see my first claims paid routinely. I bought the combo wellness and insurance plans. We have two Lab puppies and by the time I had them examined , all the shots, spayed and neutered I had incurred $500 in wellnessVet costs. Embrace paid them all at 100% even though some of the claims were over the 90 day period. they relaised it was my first claim and gave me some grace with that.
4

out of 5

POSTED: | BY: Lisa

great customer service

I have been extremely happy with the customer service I have received and the timeliness of the payments. However, I was a little disappointed to hear that there is a $400 maximum on wellness which I have already met for my pet Beezy after her spay and vaccinations.
5

out of 5

POSTED: | BY: Christophe

Easy process

First experience with Pet insurance. We have a puppy mill rescue and not sure of his genetic decided to get insurance. So far great service from Embrace. The claims are paid in a quick fashion and the process has been very easy so far. Good job.
5

out of 5

POSTED: | BY: Scott

Fantastic Results

After being faced with the expenses associated with an emergency splenectomy and a short battle with cancer with our last lab, we decided to invest in embrace pet insurance with our next lab puppy...what a smart decision - after ingesting a pair of slippers we were faced with an ER visit and emergency surgery to clear the obstruction - with Embrace we had the peace of mind to move forward with surgery w/out worrying about the expense - after the surgery the claims were processed in an efficient manner w/no disputes about the vet charges - wonderful customer service
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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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