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.
5

out of 5

POSTED: | BY: Frank

Excellent Claims Processsing

We never expected to use the insurance, but in the first year, had three claims related to our Boston's mast cell and mammary tumors. The Embrace claims form was simple and they only required the vet/doctor documentation. Within a few days we had a clear explanation of benefits, all coverage elements were explained and within the policy deductible/co-pays, and the reimbursement via electronic debit was extremely fast. To have three claims addressed in less than two weeks is outstanding. Great job; such a relief after the surgery and vet follow ups.
4

out of 5

POSTED: | BY: Alison

Great service

Very easy claim submission and great fast customer service. I'm very happy.
1

out of 5

POSTED: | BY: Kristi

Nothing but run around when trying to cover my pet

I have had nothing but trouble with trying to get my pets covered. I have personally sent in medical history, vet has sent in medical history and we are continually told they do not have it. I have so far gotten 2 of my 3 dogs covered with repeated calls and complaining. My third dog is still in review phase because they claim they do not have medical records. I spoke to the Vet, they gave me a copy of the fax transmission sheet and they ladies name they dealt with. Absolutely ridiculous that this process takes months. It's really not worth the headache of having this insurance.
5

out of 5

POSTED: | BY: Bette

Great response

I purchased insurance for my puppy, Murphy, when I first got him. I never anticipated any issues with him because he was such a healthy guy. Then, one night I noticed that he was not feeling well and rushed him off to the emergency vets where I was told he had bloat and needed emergency surgery. Murphy did have the surgery and is now doing fine. The total bill was over $5000, most of which was covered by embrace. They were wonderful to deal with both at the time of the surgery and after. In the future, I will always use embrace to insure my pets. Peace of mind is a wonderful thing!
5

out of 5

POSTED: | BY: richard

excellent company

Vary good company to deal with.
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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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