Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Daphne

Great service and coverage from Embrace

Both our dog and cat are covered by Embrace pet insurance. After very disappointing coverage from another company we are very pleased with the coverage for our pet family! Our dog's specialist's bills are taken care of, as well as incidents as they occur. We cannot say enough about the high quality of service from the Embrace team. We highly recommend Embrace to anyone with pets.
5

out of 5

POSTED: | BY: Lonny

Quick reimbursement on claims

I am grateful to the Embrace staff for quick reimbutsement of my two veterinary claims in the last three months. I was reimbursed over $11K for two dogs requiring surgical intervention. I don't know what I would have done without Embrace.
5

out of 5

POSTED: | BY: Heather

No Fuss Claims Settlements

Love Embrace. Have had the insurance for 7 years now. I have never had any problem with claim settlements and usually it happens in 3 to 5 days after I have submitted it. This is the best pet insurance I have dealt with. I will never own another dog that isn't covered by Embrace!
5

out of 5

POSTED: | BY: Teri

Very easy to work with

Embrace is a great company. Everyone has been caring and helpful. The website is easy to maneuver and information is easy to find. Most importantly, my dog has been covered like they said she would be. She has different problems and with Embrace, we have been able to care for her.
1

out of 5

POSTED: | BY: Shaun

Do. Not. Trust. This. Company.

I was conscientious about submitting alll documentation requested (including the medical history form--to avoid issues with "pre-existing" conditions). When I submitted several claims, I was told that Embrace had *just* done a medical history review (my policy officially started in the beginning of December--the review was just completed at the end of March) and I was told that ALL of the claims I submitted would be denied--as would any "skin-related conditions" because they were deemed "pre-existing. I was given incorrect information at each step of this process. Waste of time and money.
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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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