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: JD Richardson

Not very considerate!

We have been experiencing some severe health issues, and thus were not able to file claims in a timely fashion. This company will deny your valid claims if they aren't filed according to their timeline; and to hell with you and your health issues!Shopping around for more understanding folks!
5

out of 5

POSTED: | BY: Kathy Lydon

Came Through When in Need

We have had Embrace insurance for our dog for the last three years. I have to say that I considered cancelling my policy because it was expensive and didn't cover any of the normal maintenance type bills (I don't have coverage for wellness just injury). Seemed like a waste of money but kept in case something tragic happened. I am SO glad I did! Our dog Lil G has been plagued with a limp for the last few months and we couldn't figure out the cause. After multiple visits to the our vet, physical therapists, surgeons, radiologists and finally a neurologist we figured out the cause. We have had about $4,000-$5,000 dollars in bills and still may have a long way to go with her treatment (hopefully not). Embrace has picked up 80% of the cost and has been a life saver to our family. I would highly recommend this insurance.
5

out of 5

POSTED: | BY: Brian Bollin

Excellent service

This was a great experience,and was very easy to submit the claims.the service staff was very helpful
5

out of 5

POSTED: | BY: Bette stillwell

Excellent company

I have Embrace insurance for my two year old airedoodle. I have had to enter a claim twice. Both times, their representatives have been courteous and helpful and I was reimbursed quickly. I would definitely recommend this company.
5

out of 5

POSTED: | BY: Sinthia

Fast and efficient

Even though I have been with Embrace a couple of month now for my first ever puppy, all my concerns and questions were answered in a timely fashion! After going to the vet it was amazing how fast the claims were handled along with the reimbursement!
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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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