Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Elizabeth Read

I bet you get a lot of 'Embrace' puns in reviews!

As in- I fully embrace this company and the service I've received in the short time I've been insuring my dog with you!! From the initial inquiries about coverage to my first (and only) claim-- the staff have been uniformly helpful and clear. All my questions were answered and my claim was promptly researched and paid. I'm going to insure my cats thru your company based on the help I received with my dog. Thanks again. Elizabeth
5

out of 5

POSTED: | BY: Anna Maria

Super Easy and Stress-Free!

I own two cats and we haven't really used the insurance to its full potential other than yearly visits but still figured it was a good idea to have. My cat Kadabra was recently diagnosed with diabetes and needed multiple vet visists to check his blood sugar as well as a prescription for insulin and his syringes. Submitting the claim sheets were so easy since my vet does it for me and I have had updates from Embrace about each claim form I submitted. They have made this transition to a higher care level for my cat smooth and effortless. Thank you so much!!
5

out of 5

POSTED: | BY: Dawn Christine

They are the in the top 10

Spent many hours researching pet insurance companies, and Embrace was #3 in the Consumers Advocate website. Picked Embrace because in addition to accident/illness insurance they also carried a wellness plan. Paid my first premium on July 31st. Had my first claim on 8/11/2014 for wellness benefits. Receiving my first claim check tomorrow. Signing up for insurance is easy. There website is well designed and easy to use. Happy I picked Embrace over all the other insurance companies out there.
1

out of 5

POSTED: | BY: C.Correia

Worse experience ever !! cumbersome & bureaucratic

My dog as 1 year old and unfortunately broke a leg. She got a surgery and now is fine. I contacted Embrace to be reembursed. Long story short... Embrace wanted a "detailed" report from every single time she had visited a vet... The criteria of what "detailed" is, only Embrace knows... And whatever to I had on record or the vet(s) sent was never enough. It took me over one month of calling to get it sorted. It is worthwhile to mention that everytime I called, I had talked with someone new on the call center that "repeated" the same speech for me to keep asking the vets. When I asked a supervisor or someone "in charge", they were never available to talk on the phone or to call back... I imagine if my dog was 5 years old. I would never be able to find all the "detailed" reports Embrace wants... I really felt that they were doing all possible to delay and prevent paying. in summary, i don't know if Embrace is better or worse than other pet insurance but I had a really BAD EXPERIENCE !!!
4

out of 5

POSTED: | BY: Eric

Recommend Embrace to ALL with Pets!

Love everything about Embrace but The ONLY thing I would like is when I go to your website to see my Case & it is already closed, how do I know what I was paid for. There has to be a way for all of us to see the amount you paid for each item pertaining to our pets like for example, blood workup, testing or inections to make pets better eetc. I want to see that I am getting the right amount & that I am not getting charged a deductable each time for the same item. My cat just got Diabetes & am going to the VET each week to see if the levels are good enough for my cat & afraid I may get charged 2 or more times each week. I would like to always be allowed to see my statements & not close them the second acheck is sent out..

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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