Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Mary

Link every illness to preexisting

We will be cancelling this insurance as soon as we can. Every illness seems to be linked to a preexisting condition, so they do not have to reimburse any type of emergency. Very disappointed as I did research before selecting Embrace
5

out of 5

POSTED: | BY: Yandi

Embrce helps make tough decisions easier

We had to bring our 5 month old puppy to the emergency one night because she was in so much pain. The doctors had to run a whole bunch of tests and she was later diagnosed with a form of bacterial meningitis. Having Embrace made the decision to pay for all of those tests and treatments easier knowing we would a good amount of it back. The staff at Embrace were super helpful and kept me informed of what stage the claims were in.
5

out of 5

POSTED: | BY: Melissa

Very quick turnaround time

We submitted our claim on 12/24/13 and had a response by 1/1/14. Only a few days after that we received our reimbursement check in the mail. Very happy with Embrace.
5

out of 5

POSTED: | BY: Trish

Excellent!

Embrace is always excellent and easy to deal with. I have had the policy for 5 years and thankfully have never had to use it for illness or injury, but the turnaround time for wellness reimbursement is amazingly fast and the reps are always courteous.
5

out of 5

POSTED: | BY: Chris

So glad to have Embrace

I have a 1 year old Great Dane and have already put in 6 or 7 claims with Embrace. While a couple were rejected due to a pre-existing condition, having the insurance has still paid for itself many times over. Their website and claim specialists are always extremely helpful providing status on a claim and they are very prompt when sending claim payments that have been approved. I am extremely pleased with Embrace and would recommend them to any other dog or cat owner.
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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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