Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Diane Fletcher

I am so grateful to Embrace

I am so grateful to Embrace - my little Rosie got very sick and because of Embrace's wonderful and efficient claims process, she is still with me and her sister. She is doing well having received great care that I would not have been able to get for her without Embrace. It's the best decision I made a few years ago!
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1

out of 5

POSTED: | BY: Deborah Service

Unbelievable Rate Hikes

I had no problem with my insurance coverage with Embrace; however, after my first year with them they decided to raise my premium. That, in and of itself, was not the problem. THE FACT THAT THEY DECIDED TO RAISE THE PREMIUMS BY OVER 51% a month was enough to make me cancel my coverage and move to another company. I’ll never use them again.
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1

out of 5

POSTED: | BY: Collin Fales

Placed multiple follow ups

Placed multiple follow ups, in last follow up requested a call to discuss and did not receive a call or email (only an automated email directing me to view claim status) and Ive still yet to receive confirmation or even an update on the pre-certifation submitted by my vet that is associated with the CT scan. Please call me to discuss.
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5

out of 5

POSTED: | BY: Jeffrey Taylor

We have used embrace for 6 years

We have used embrace for 6 years. Like any insurance you invest for peace of mind if you have a major vet bill. They also offer a wellness feature that has a monthly payment and then covers no accident, injury or illness coverage. The benefit is about 13% larger than the premium and covers items like annual examine, vaccinations and flea, tick, and heartworm medications. For six years i have use all of the benefit. Filing a claim is very easy and response and payment is usually with 2-3 days. On the few times I have needed to make a phone call the agent is knowledgeable and attentive.
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5

out of 5

POSTED: | BY: Laura C Dowling

Excellent Financial Support

Embrace made the entire process of submitting claims and getting reimbursed super easy. Their app is very user-friendly, and their communication during the medical record review process kept me up-to-date on who had - and hadn't - sent in the requested documents. Once the claim was approved, the money was deposited into my account the next day! I don't recommend spending a weekend at the emergency vet, but if you must it's great to have a partner like Embrace to make the financial aspect a bit easier.
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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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