Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Ben

Impressive claims response

The precertification claims went through in 2 days. Not a cheap surgery and approved. Embrace is impressing me to no end at this point and I have told all to get this insurance for their pet. Amazing.
5

out of 5

POSTED: | BY: Larry Britton

Embrace Champions Pet Care.

"Embrace"always handles pet care for our little dog "Cookie" in a mellifluous manner. "Thank You Embrace, for your champion efforts. May your staff enjoy a wonderful Holiday,and a prosperous new year. From Larry and Jackie Britton. Cookie gives you a "Paws Up."
5

out of 5

POSTED: | BY: Mark Dombroff

Very happy....

Embrace has been great. When my reimbursement was slow coming, I e mailed them and Laura , the President, called me and followed up. I had the checks within a day or two. Pet insurance generally gets a bad rap and I suspect a lot of its deserved.. Not Embrace!
5

out of 5

POSTED: | BY: Ginger

Happy to have coverage

After an expensive illness with a beloved pet, I decided to try Embrace insurance. My first claims were for wellness exams, and I received my checks quite quickly after the company received my paperwork. The most difficult part was the health history for my older dog, and a lot of that was a delay from my vet's office. I filed my first claim, which was incomplete, but Embrace contacted my vet and got the missing paperwork. I was issued a check within two weeks. I have been very happy with the communication from the company and their response time.
5

out of 5

POSTED: | BY: Mark Steinberg

Extraordinary Responsiveness on Claims

My dog, Dayton, has been Embraced for more than a year, and I cannot say enough good things about the ethics and efficiency of the organization. Most recently, we had accumulated claims for problems a vet had treated over a period of about five or six weeks. Embrace acknowledged receipt almost immediately and made decisions as to coverage (all favorable) shortly after that. At my urging, my vet has put out a stack of Embrace brochures, and I have preached the Insurance Gospel According to Dayton's Dad to any dog owner who would listen. We are deeply grateful to, and admiring of, this organization.
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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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