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: Carlet

Thank you Embrace

Always so fast at reimbursing and making sure we received the payment. My dog suffers seizures and it takes a lot out of us but knowing that his care is covered gives us peace of mind.
5

out of 5

POSTED: | BY: Claudia Ionescu

Exceptional service

Embrace has been wonderful : easy claim submission, timely processing. Very very happy with them.
5

out of 5

POSTED: | BY: Cricket McColloch

Echo's claim

Although I was not contacted to inform me that the invoice didn't attach in the email Embrace staff quickly requested it from my vet. When I emailed about the issue I received fast responses and everything was fixed quickly and the claim was processed.
1

out of 5

POSTED: | BY: Karina Hernandez

Horrible insurance

I am canceling this insurance as soon as I am done typing this review. I have had thousands of dollars in bills and they have only paid one claim and the check was for only $34.oo dollars. All I can say, is that I should have believe the bad reviews and never gotten this insurance. Be very careful because they are very sneaky, they pretend they are there to help you but all they want is to get information to use it against you or to say that they cannot prove the bills were not due to a preexisting condition. They will argue and fight you until you give up. Like I said, this is exactly what I read in some of the reviews when I was researching embrace I should have listened. I am very disappointed and will never say anything good about embrace
5

out of 5

POSTED: | BY: Jo Greenwald

I felt "Embraced" after the loss of my pet

My sweet cat, Buddy, was diagnosed with HCM, a virtual death sentence. From his first visit to the ER and regular visits to our vet and, finally, to his euthanasia Embrace Pet Insurance was there for me. The claims were handled promptly and reimbursements came quickly. I really wanted to speak to the heart and soul the claims people at Embrace showed as I went from shock to grief. Throughout the process they were kind and sympathetic. I was overwhelmed with their caring after Buddy died. You wouldn't expect that, once the bills were paid and no "client" existed, to have the company reach out in the form of e-mails and cards and personal notes to let me know they felt my pain. It meant so much to me as I grieved his loss. I will find another furry baby soon (the house is too quiet)and one of the first calls I make will be to Embrace. They were wonderful.
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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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