Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Beth Krosky

Helpful Assurance

I am so pleased to have the policy for Archie because the extra assurance of help when we need it is very comforting to us. I hope over the years we hardly need it but you never know and Embrace is very easy to work with and coordinates well with our vet. Thank you Embrace for being there!
5

out of 5

POSTED: | BY: Melissa Smith

Love Embrace

Our 11 year old Jack Russell, Molly, was sick with throwing and and not eating or drinking for a several days. We have a great vet and was promptly taken care of. They kept her over night and gave her fluids and antibiotics. She rebounded quickly and was put on easy to digest diet for several days. We have had other pet insurance for Mollys first 8 years with very little satisfaction. We were skeptical when we submitted the $350 claim. It was processed within a few days and received a $283 check within 2 weeks. it was great! Thank you Embrace.
5

out of 5

POSTED: | BY: Ellen

Great product

Embrace has been great so far. We have had 3 claims for health maintenance items using or wellness rewards and have had no problems at all. They are very responsive to communication and fast with reimbursement checks. We went with this company because they were the most highly recommended by our vet. Thanks for great insurance Embrace!
1

out of 5

POSTED: | BY: Kristina Console

Worst experience

I have verified that embrace received all documentation supporting my claims over 7 (yes 7) times. I have driven to my vet's office and sat on the phone confirming they've received the fax. I have requested and received a confirmation email stating embrace has everything they need. 2 days ago I called again and confirmed that all documentation is there and being reviewed by the claim person. Just today I received notification that my claim has been processed. I log in and it say the claim was cancelled due to lack of information. It has been a month since I submitted all paperwork, endless calls and confirmations and now this??? Unbelievably frustrated with me experience. Get it together embrace!
5

out of 5

POSTED: | BY: Sherry Aquino

saved by Embrace

We have only had Lexie for about 2&1/2 years, she has already had surgery and now has kidney issues which has been very difficult to diagnose ( in fact,I not sure they know yet) Embrace has saved us thousands of dollars in just the couple years we've been insured by them. They let you know when they receive the claim and a very short time the check is in the bank.
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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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