Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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.
1

out of 5

POSTED: | BY: Jennifer

waste of money

They won't cover ANYTHING!!!! I had just about all my claims denied for my rescue, basically because there was not a 12 month history for her. Which they knew from the start since she was a rescue! They also consider a "cough" a pre-existing condition.. Thankfully human healthy insurance isn't this bad or else! It took them months to deny all my claims. claims from March were finally handled in July after 5 or 6 phone calls and 3 emails.
5

out of 5

POSTED: | BY: Geri Cooperman

Very positive experience

Both of my dogs recently had orthopedic problems which necessitated many veterinary visits. Embrace Insurance processed the claims fairly quickly and kept me informed as to when I might expect reimbursement. I was completely satisfied with the way the process worked and wouldn't hesitate to recommend Embrace. I will think about getting drug/prescription coverage next time I renew because those costs mounted up quickly and weren't reimbursable on policies that only cover accidents or illness.
5

out of 5

POSTED: | BY: Debbie Kinda

First time I've bought pet insurance.

This is the first time I bought pet insurance for my two dogs. I wish I had done it soon. I find Embrace to be an excellent pet insurance company. Their turnaround time for payment is excellent, they keep in constant contact with you through emails as to the status of each claim, and find them extremely easy to deal with. I would highly recommend them.
5

out of 5

POSTED: | BY: Brian M.

Thank you for all you do.

Nice job and easy to use.
5

out of 5

POSTED: | BY: JJW

As Advertised!

No complaints. We had a high-deductible, high-reimbursement plan. Our pet met her limit for the year, and every claim was approved and the reimbursed in short order (within days). No hassles whatsoever, and good value ($240 for a 10-year-old dog at a $1000 deductible and 90% reimbursement after that).
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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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