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.
5

out of 5

POSTED: | BY: Iggy’s Parents

Lymphoma client

The first claim you submit for non-yearly wellness treatment takes about 2 months to process, after that it's a breeze. One of our girls has lymphoma and working with Embrace has been very easy. We don't have to worry about the cost of her treatment, just worry about taking care of her. Embrace customer support is very responsive and easy to work with. Highly recommend.
5

out of 5

POSTED: | BY: Claudia von Fragstein

I loved how quickly they responded to…

I loved how quickly they responded to my inquiry. I was trying to upload my pups vet exam and just put it in regular doc. It was needed as exam prior to insuring. Spoke with rep and issue was resolved immediately. Initial exam was moved to proper file. :)
5

out of 5

POSTED: | BY: Caroline

Agent was very efficient and easy .

Agent was very efficient and easy .
5

out of 5

POSTED: | BY: Donna D

2 Puppies cost money

I have had this insurance since my dogs were puppies. They are now 9 years old and I am continually impressed with the coverage of my Embrace insurance. 2 Puppies cost money and with this insurance, I can give them the best of care,. The claims are easy to submit and the communication can't be beat. Thank you Embrace
2

out of 5

POSTED: | BY: Donna Marceca

I’m not happy with my experience with…

I’m not happy with my experience with embrace. When I first spoke with them before I decided to enroll my rescue dog I told them I have limited information for him. I asked would this be a problem getting claims paid. They assured me it wouldn’t be. I’ve put inn2 claims niw and neither of them had been paid. The reason why because they don’t have soap notes from one if the vets my rescue has seen in another state. I’ve call these vets and they don’t release his information to me because I wasn’t the owner at the time. I feel this company tell you what ever will get you to enroll your pet with them. I have another dog enrolled with nationwide and I’ve had very little problems with that company.

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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