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.
5

out of 5

POSTED: | BY: Shelby M

Thank you Embrace

I couldn't be happier with my coverage and the customer service I have received. I am more than impressed and my feisty little Siamese fur baby is healthy. Thank you!
5

out of 5

POSTED: | BY: Linda Kozak

I am so thankful for Embrace Pet Insurance

My experience with Embrace has been easy and convenient. Fortunately my pet has not had aa major accident/illness but I know Embrace will be there for us. Always receive prompt service. Thank you Embrace!
1

out of 5

POSTED: | BY: Rachel Mayle

Disappointed

When we adopted Gabby we made it a goal for her to get a check up twice a year. Back in March, this went off without a hitch, and we received prompt payment out of our wellness benefits, and there were no health concerns. In October we took Gabby in for her second check up. The vet noted that she needed her teeth cleaned and that she had a growth on her stomach. So, about a week later at the vets suggestion, we took Gabby back to have her teeth cleaned and have the growth removed. We faxed the receipts and itemized invoices both times. About a week after the first claim, I got a message that the claim was pending because they needed medical records. I messaged Embrace back with the name and number of the only two vet offices Gabby has been seen at as well as how many appoints and when she had them there. A week later I got the same, generic message on the second claim about needed more information. Two weeks after that, both claims were closed due to lack of information. I just think to my self that since February, we're probably paid Embrace around $700, which happened to be about what Gabby's bills totaled too. It leaves me with the feeling that Embrace is a company much like any other, interested solely in profits.
5

out of 5

POSTED: | BY: Virgil Hood

We're very satisfied with Embrace

One of our Briards has a hypothyroid condition and several conditions arising from aging, and they have been prompt and thorough with evaluation and payment. Our young Briard has been very healthy and active with only a few minor hickups - which they were also very prompt to evaluate and pay.
5

out of 5

POSTED: | BY: Steve

Everything that we Expected

This year our 10 year old Yorkie, has been stricken with corneal ulcers resulted in her needing a corneal graft surgery to help control the ulcers. From the first claim form that I sent in to the last, Embrace has treated us with respect, issued payments quickly, and even suggested that we sign up for direct deposit, to receive payments quicker,
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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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