Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Julia Applegate

Doesn't cover much

Will be looking for another insurance company. VIP Pet Insurance has a much better payout. I submitted claims after I switched and they paid out everything, none of this your dog can't have the same illness in a one year period! That's just wrong.
5

out of 5

POSTED: | BY: Patricia

Resolving a kink

For some reason, the statements don't get faxed completely or effectively when we file a claim. Recently we had a medication renewed for our dog Daphne and there was a snafu over the statement getting faxed from our vet's office. Working with Embracers on the chat line and later via email the issue was resolved, and quickly. The money appeared in our checking account very soon after.
2

out of 5

POSTED: | BY: denise cole

terrible service

Everytime I submit a claim I get the run around, some kind of missing form or information, if the information is not requested on the claim form that your company sends out how are the doctors supposed to fill out YOUR form. its ridiculous
5

out of 5

POSTED: | BY: Jan HIrsch

An Excellent Investment!!!

First time ever that I made the decision to purchase pet insurance when I adopted Finn, a 5 year old terrier mix from a wonderful rescue group in Dallas, TX. After researching many insurance companies, I decided on Embrace, and that was a very smart decision! Turns out that even though Finn was initially heartworm negative, he ended up with heartworms (all a timing issue, it seems), and we've gone through what might have been very expensive veterinarian care to rid Finn of the heartworms. With Embrace, it became very affordable, and Finn is now healthy again! Embrace is actually a good name for this company, because along with the ease of use to file claims, check on them, etc., they are warm dog-loving folks who are wonderful to work with. As you can probably tell, I plan on staying with Embrace moving forward.
5

out of 5

POSTED: | BY: Denise Mooney

Well Worth the Money!!!

We have had Embrace since our two St. Berdoodles were puppies. It has far exceeded our expectations! From covering our routine vaccinations, the occasional illness or issue to actually covering very costly heart worm prevention, Embrace Insurance has been remarkable! We also have piece of mind, knowing that if we have a serious illness or accident, it will be covered. We will ALWAYS have Emrace with any dog we own. Filing a claim is SUPER EASY, as our regular vet has claim forms on file and they automatically file for us. We don't have to do anything! We receive an email (most of the time on the same day!) from Embrace telling us that they have received the claim and then a few days later an email telling us that it has been paid. Funds are direct deposited into our bank account! Fast and easy! Years ago, we had considered pet insurance for other pats but it was always kind of a scam because of loopholes and "fine print" and we saw that virtually nothing was covered. We were skeptical but our vet gave us information about Embrace and it sounded good. We are so thrilled with this coverage that we tell everyone about it. No tricks. No hidden "fine print". Only great, honest coverage. We actually attended a local event and got to meet some of the wonderful people who work at Embrace and we found that these people are all animal lovers and the company encourages their employees to bring their dogs with them to work! What a forward thinking place! We live Embrace and strongly recommend it!

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 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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