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: Sherry

I am pleased with the claim coverage to date.

Embrace has covered almost all of what I had hoped that it would for my kitty Layla. Her recent AAT treatment for Eosinophilia was covered - so glad. It eases my mind that I have health insurance for Layla and that alternative treatments are covered. Layla is almost 1.5 years old. She has been "Embraced" since last June. I am pleased.
5

out of 5

POSTED: | BY: Nancy

Awesome Sevice

Whenever I submit a claim to Embrace the service is always done in a professional, courteous manner. It's definitely one less thing to worry about when you pet is ill.
5

out of 5

POSTED: | BY: Rachel

Easy set up, Quick Reimbursement, Great Service!!

We signed up for coverage 3 weeks ago, and included the Wellness Coverage for our pets. We immediately used that coverage to have our cat spayed and vaccinated last week. I submitted the claim form and itemized invoice from our vet yesterday and my claim was approved today for 100% of the vet bill :) I am so happy! Great and quick service!
1

out of 5

POSTED: | BY: Ginny

NOT HAPPY Warning for those insuring multiple pets

I have several dogs insured with Embrace. The most recent dog's coverage started in March, but my renewal date (determined by the date of the first dog covered) is in mid-November.Any dog added to the policy, regardless of the date coverage starts, has the policy renewed in mid-Nov. THIS PRACTICE RESULTS IN MY LOSING 4 MONTHS OF COVERAGE!!! I have had to meet my $200 deductible AGAIN! I voiced my complaint with one of the founders of the company and was basically told 'that's the way it is' This is the second time this has happened to me...Overall, I'm happy with Embrace, but being charged a double deductible within in year is just not fair. Embrace, you are better than that.
5

out of 5

POSTED: | BY: Patrick

Great Service

We've always received great service with Embrace, and have always gotten prompt and friendly support. We would highly recommend getting Embrace Pet Insurance, it has paid for itself within the first year.
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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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