Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Jenn

Great insurance

This is the first time having pet insurance and so far embrace has been extremely helpful. I have had my dog for almost one year and have already filed two claims. The first incident was when the puppy was 4 months old and possibly ingested something causing her to seize and go temporarily blind resulting in a $700 emergency hospital visit. Filing through embrace was very easy, I filed out a form online and they contacted my vet. I was fully reimbursed according to my policy payback. Definitely plan to continue and would highly recommend.
2

out of 5

POSTED: | BY: Keith Boykin

Refused to Pay

This is one of the most difficult insurance companies I have ever dealt with. Have been insured for some time and when finally came to pay at claim, they wanted an inordinate about of past medical information, not even related to the current illness. My vet said they would pay well, but she was wrong. Now, after over $1200 in vet bills, I get nothing because my vet would only release info to us and was not convenient for me as a busy physician. Otherwise, it was okay
5

out of 5

POSTED: | BY: Cheryl S.

EMBRACE IS WORTH EVERY PENNY

Last year my 6 year old Rottie suddenly began limping. She was diagnosed with immune mediated poly-arthritis and lymphoma. Her prognosis was not good. The also has 2 prior ACL surgeries. This was a complicated diagnosis but Embrace reviewed all the medical records and the specialists' opinion and did cover all expenses. Very compassionate and caring company. They also covered the acupuncture and holistic vet. My dog is still doing well!
1

out of 5

POSTED: | BY: Gordon Young

Horrible Customer Service

A website that doesn't recognize my email, even though Embrace emails me regularly, and endless hold time on calls. Impossible to get information on my claim. All in all, an awful experience.
5

out of 5

POSTED: | BY: Nick Perri

"With a little help from my friends"

Embrace has been a life saver for my wife and I, and quite literally for our cats. They are friendly, efficient, and timely. Hard to put a price on peace of mind. We are very happy with their services. In the words of The Beatles, "We get by with a little help from our friends.."
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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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