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.
2

out of 5

POSTED: | BY: Debbie

Challenging to get reimbursed!

Unfortunately I can't give a positive review. It was really challenging for me to get reimbursed for our medical costs, and required several phone calls from me and my vet to get the expenses covered. First of all, they considered bilateral ear infections that my poodle mix had over a year ago as a pre-existing condition for having a fox tail removed from her ear this summer, which caused an infection in her ear. Secondly, they misinterpreted my bill and thought I paid less than I actually did, and it took three phone calls to get the matter cleared up. In the end I feel like they questioned every charge and looked for ways to lower their payments. Guess I will be shopping around for a new plan next year.
5

out of 5

POSTED: | BY: Janet

Embrace is awesome!

I've found Embrace Pet Insurance has met and exceeded my expectations for pet insurance. They respond quickly to claims, and treat me and Obi like family!
5

out of 5

POSTED: | BY: Bonnie

Quick response to our claim.

I had the veterinarian fax form and Bill information and a couple days later you said it was received and I would receive a check in about 10 days or so. How easy is that! Thank you embrace.Spinner and BayLeigh thank you.
5

out of 5

POSTED: | BY: ken

excellent

Prompt, responsive and easy to deal with...would highly recommend to any pet owner.
5

out of 5

POSTED: | BY: Marjorie

Great customer service with claims handled promptl

Embrace handled the claim courteously and promptly.Embrace is an excellent company underwritten by American Modern which also has an excellent rating.
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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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