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.
4

out of 5

POSTED: | BY: Lori post

Thank you, Embrace!

Claims are very easy to submit. I bring a form with me to each visit. Even though the plan only pays 80 percent of the claim and does not cover medications, I feel every little bit helps. Thank you to the employees who handle the claims for me and for tHe follow-up, it is appreciated!
5

out of 5

POSTED: | BY: Jay Zhe

WONDERFUL

I just wanted to say what a blessing it has turned out to have been to have Embrace.This is the third claim I have filed, and there has never been hoops to jump through or crazy paperwork to deal with. It has gone better than I ever could have imagined, which I am truly thankful for as it seems we may have a long road ahead of us with our beloved Bella. She now needs an MRI done with a neurology specialist because they fear she may have Wobbler's Syndrome. This may end up being a long and expensive process, however, I can rest assured knowing Embrace will be there to assist me along the way! With the potential of thousands of dollars in vet bills on the horizon, I am counting my lucky stars that I purchased this policy the week we brought her home. I would hate to think that I may not be able to provide her the best medical care possible because of financial difficulties! If anyone is "on the fence" about getting a policy, I strongly urge them to do so! This has/is going to be a complete life saver for poor Bella and our family. Thank you so much Embrace!
5

out of 5

POSTED: | BY: JB

Straightforward Process - Fair Results

Recently submitted a number of claims for our 2 year old yellow lab. She has had some concerning (and as of yet) unexplained issues that have been diagnosed as gastroenteritis. Her issues have resulted in two weekend trips to an emergency veterinary clinic as well as multiple follow-up visits with our primary veterinarian. The claim process has been very straightforward; communication from Embrace has been informative; and remittance has been timely and in accordance with our policy. All in all it's been a very smooth process and has not added to an otherwise stressful situation.
5

out of 5

POSTED: | BY: APARNA RAO

SO PLEASED!

Our puppy was recently bitten by another dog during a romp at the dog park and had to be taken to an animal hospital for stitches (our primary Vet was closed). Although Embrace has always had EXCELLENT customer service, I was a little nervous about coverage because we had never had an accident before. I was so pleased at how quickly they processed our claim! The hospital bill was high and it was such a relief to have a Embrace on our side. I only wish I had signed up with them as soon as we got our puppy. There was one company we went with for a few months who didn't cover anything!!!
5

out of 5

POSTED: | BY: Donna

Great service - caring people

We have a 7 year old American Eskimo that recently began having diffculty getting up. She was very sad, stopped playing and would not eat. A specialist advised surgery on her knee since it dislocated and caused pain. She has since suffered from swollen joints and we are still investigating the cause. Embrace has been great. The staff is very responsive to our claims and is very caring about our pets.

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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