Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Peter Cullum

IMHA Survivor

Our dog was recently diagnosed with IMHA. We had no idea what IMHA was (we do now), but our girl was in vet hospitals for a rough 7 days and significant vet bills. I was very pleased with the way Embrace handled all of our claims. They were all processed in a timely manner. There was one claim that needed further clarification, which was resolved with one phone call to Embrace. The claim submission process is very easy to work with too. I would definitely recommend Embrace for pet insurance.
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2

out of 5

POSTED: | BY: Joseph Mitchell

I have been with Embrace for 5 years

I have been with Embrace for 5 years, it's been great until this year. I'm having trouble getting refunded for my pets wellness. I'm being told that embrace has no medical record after all these years of being with them and I need to get pets medical records sent to them to get refunded. That's been a week ago and they said it would take 2 business days. If it takes any longer to get my refund, I'll be canceling my account.
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5

out of 5

POSTED: | BY: Teresa Morneault

Process is easy and efficient.

Process is easy and efficient.
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5

out of 5

POSTED: | BY: Doug Moore

Fast efficient service with online…

Fast efficient service with online reporting
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3

out of 5

POSTED: | BY: Kristen GM

Horrible behavior therapy coverage, beware.

So it's easy to sign up for, but when I went to try to get my dog behavior therapy, I noticed that the therapy has to be performed by a VETERINARIAN. I understand that I was supposed to read the policy, but I didn't realize only one veterinarian per state usually does that. Embrace would not approve a behavior therapist with a DOCTORATE that my VET referred me to. It's basically impossible to use the coverage I paid for. I wish they have a list of approved behavior therapists.
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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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