Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Mark Winkler

a blend of compassion and fairness.

My dog Lily was diagnosed with a hole in her heart. When I submitted all of the medical bills they all were denied. The denial was based on a pre-existing condition. I didn't agree with this judgment and therefore submitted reasons for why I thought the decision was wrong.To my surprise eEmbrace acted fairly and compassionately and overturned the previous decision. A very professional and intelligent company that acted with maturity, fairness and empathy. Not the usual qualities you would expect to find in an insurance company. I'm forever grateful for your actions.
5

out of 5

POSTED: | BY: John Orrell

Wellness claim for prescription foods

Our 1st Claim, under provisions of the Wellness Rewards coverage was handled very promptly, with the outcome we wanted. The E-claim process was easy to learn and complete. Thank you, Embrace John O
1

out of 5

POSTED: | BY: Mrs. Barbieri

Can do better

Embrace does not cover for pre-conditions, so I don't know why one customer said Embrace did for her dog. If that's the case, than Embrace can cover my kitten! Embrace is NOT speedy with payments, it takes a long time before you are reimbursed. As far as the amount of well-care for your pet's, it's not enough to last one year's worth! Embrace only does a good job if your pet has a accident, than for your peace of mind are you taking care of.
5

out of 5

POSTED: | BY: Cupcake's mom

Great customer service/easy to use

Embrace has been so easy to use with the claims portal and direct deposit reimbursements. They are always friendly and helpful when you call.
5

out of 5

POSTED: | BY: Matt

Expensive but worth it

I have really NEVER had an issue getting reimbursement from Embrace. Yes, the coverage is expensive, but you're basically rebated a significant amount of your premium dollars with each vet visit -- annual wellness and/or dental cleanings. And it's great to know if you ever REALLY need insurance for a very expensive or life saving procedure, it's there.
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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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