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: Sandy

I'm very grateful to have Embrace for my Leroy

I highly recommend embrace. The moment I got my baby Leroy, and English bulldog puppy, I contacted Embrace pet insurance and took him to the vet for his exam. I've not had any issues with Embrace pet insurance on any claims or questions related to coverage or working with them to help make sure my Leroy stays healthy. I find their rates are very competitive and their service is impeccable. Thank you Embrace pet insurance
5

out of 5

POSTED: | BY: Cherie

Purr-Fect

Fast, easy submission, super quick acknowledgement and response. Very happy!
3

out of 5

POSTED: | BY: rory

Dissatisfied with appeal process.

We are very unsatisfied with the amount of work we had to go through to appeal a pre-existing condition. We were careful dog parents and took our dog to the hospital because we thought he ate something. The hospital found nothing but yet Finn was noted by embrace as having a pre-existing condtion. It took several letters from the Quakertown veterinary hospital to obtain a refund. The original letters from experts were rejected due to either the verbiage or the orginator.
5

out of 5

POSTED: | BY: Tom

Great customer service

Recently our 12 year old lab had a serious medical issue that required a trip to the emergency vet clinic. We filed a claim which was approved and quickly processed. The claim form is very easy to complete and only required the vet to fill in a few items, thus saving them time. We were very pleased with the entire process and would highly recommend Embrace to other pet owners. Having the insurance gives us peace of mind and really helps cushion the cost of an unexpected and costly emergency.
5

out of 5

POSTED: | BY: Holly

Despite some small pitfalls, overall an excellent policy.

Costs related to chronic feline renal insufficiency can be exceedingly expensive, especially during the later stages of the illness. Despite my belief that prescription renal food (and other prescription diets) should actually be covered for illness (and not considered only for wellness claims), Embrace has quickly processed my other related reimbursements in a professional manner. I am thankful that my pet, in the late stages of this horrific disease, can be cared for by my veterinarian, without a huge financial toll.
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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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