Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
1

out of 5

POSTED: | BY: Bill Gleason

Repeated frustration over rejected claims

We have submitted a number of claims for our dog Tully for prescription drugs to treat his osteoarthritis and they have been rejected by the reviewer saying that "rheumatoid arthritis" is not a covered claim for our dog. Our vet has written Embrace saying that our dog has never had rheumatoid arthritis and that osteoarthritis is not rheumatoid arthritis but to no avail. We are wondering whether the reviewers ever check documentation for former claims where they would see our vet's comments. Very frustrating to say the least. Other than this recurring issue that has defied all efforts to resolve, we are very pleased with our Embrace coverage and service.
5

out of 5

POSTED: | BY: Marty Modance

Baron's claim

I am very satisfied with your level of service, and have sung your praises to others.
5

out of 5

POSTED: | BY: George obrien

Wellness

This claim was not about injury or illness. This was a wellness claim for a script and heart worm med. I'm really happy with Embrace. I filed claim 1 day and by the next day it was completed. I have had another pet insurance company for all of my Labs. It kept getting worst. I recommend Embrace to everyone. Great people.
5

out of 5

POSTED: | BY: N Hammonds

Fast coverage

They cover everything they should without argument, and the reimbursement is fast.
5

out of 5

POSTED: | BY: Mary Lynn

Embrace takes the worry out of pet insurance.

My cat, who's a foodie, was losing weight and we weren't sure why. My vet examined her thoroughly and had blood work done. Embrace covered the exam and blood work costs, and I had no worries.
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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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