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: C. Gonzalez

People ins. should be so well run !

I have submitted several claims with Embrace. After my deductible was fulfilled my claims were processed quickly and politely. My reimbursements came very quickly, and there was no haggling about the amounts, exactly what they promise in the coverage contract. Thanks to Embrace our dog is back to normal.
5

out of 5

POSTED: | BY: Peter Mowschenson

Amazing Service from Embrace

This is my second policy. My first puppy lived three weeks and died of Leptospirosis. Embrace was TOTALLY amazing. The payments were made more than promptly. Then.. a hand signed sympathy card from their team when Harry died! Fortunately the breeder persuaded us to take Harry's brother and we now have Henry with an Embrace policy of course. This is a no gimmick, straight, superb dog insurance company from nuts to bolts. Go Embrace!!! AND…. have your puppy vaccinated against LEPTO!!!
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 Slack

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 Yarkowski

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.
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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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