Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Ann

Best pet insurance

I have been very satisfied with Embrace Pet Insurance. I chose Embrace when I adopted our Boxer boy Baxter in December of 2012. I had lost my 12 gr old boxer girl to Boxer cardiomyopathy and the insurance I had on her would not pay due to what they called breed specific illnesses. She had been insured with that company for all 12 years. I researched several companies and felt Embrace was the best because they didn't discriminate for breed specific illnesses. Thank God Baxter hasn't had any serious illnesses but Embrace pays quickly and also pays according to what the veterinarian charges, not a limited amount. And you can choose your yearly deductible. Very happy with Embrace
1

out of 5

POSTED: | BY: Carol

Incompete and run around so they don't have to PAY legitimate claims!

I have had nothing but a miserable experience in filing a very legitimate claim...I would never have bother with insurance if I had thought they would act just like people insurance and try to find anyway not to cover legitimate claims! NOW after over 6 weeks of useless paperwork,(I am SURE his hip dysplasia diagnosised 6 yrs ago is closely related to his paralyze laryngeal collapse..NOT!) they claim they LOST all of my documentation for the $2800 bill...just managed to find the LAST page for $26...really...do I look that stupid. And WHY can I NOT go onto the "MY PORTAL and SEE ALL my paperwork I sent??? Very convenience that I cannot prove it...miserable customer service!
5

out of 5

POSTED: | BY: Pres

Fast

Seems I had just returned home when I received an email stating that my claim had been honored. Check is on the way!
5

out of 5

POSTED: | BY: Teresa

Embrace Rocks!

You are quick to process claims. And it's obvious that you care about our "kids" and the service you provide. Thank you!
5

out of 5

POSTED: | BY: Janet

Fast response - it’s covered!

It’s pretty simple to submit claims and response time is really quick, in about 2 or 3 days at most. I would highly recommend this company.
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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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