Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
2

out of 5

POSTED: | BY: Mark F.

Might be better to just put $100 per month into a savings account

After paying monthly to Embrace for many years and just recently having some issues with my dog, i think looking back it would have been better putting that money in a savings account for when we needed it. Now when you need it, they take the deductibles and say that some of the Rx needed is not covered and on and on. Then you have to wait for processing. I would have come out ahead with the savings account method and that is what i think i will do in the future. My dog has been pretty much free of issues for years. But this last issue cost me about $1600 and I’ll get back maybe $770 or something like that. That said, I would have rather had the whole amount in savings especially for this purpose and been done with it. I guess it’s all a matter of choice.
5

out of 5

POSTED: | BY: Ronald C

Very good service and prompt on my first claim.

I am well pleased with the service on my first claim. It was prompt. Thank you. Ron
5

out of 5

POSTED: | BY: walter kamprad

Great

I am so impressed with their communication. I generally hear from them a few hours after I fax the bills. They are very clear about what they do and do not cover.
5

out of 5

POSTED: | BY: Vincenzo Happach

good benefits, efficient coverage

Embrace has been a great asset to have for a family with a young pet that requires adolescent immunizations, spaying, wellness appointments, and the rare acute care visits.
4

out of 5

POSTED: | BY: Drew Akason

Reasonable Turn-around Time and low hassle rate.

Kyper had to have a thorough diagnostic series to determine whether or not she had an intestinal blockage. The conclusion was negative, which made everyone happy. Embrace received our claim via fax and honored it within weeks. That compares well with our previous experience with other companies. As always with insurance, it's good to have it and you hope to never need it.
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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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