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.
4

out of 5

POSTED: | BY: Jon

Basic Wellness Claim

I purchased this insurance to cover basic wellness needs and perhaps an occasional mishap. My first experience is turning out less advantageous than I eould have imagined. All the items on my receipt were for "wellness" however, I am only being reimbursed $159 out of the $186 I am due. What gives? Typical insurance companies will do anything to deny a claim.
5

out of 5

POSTED: | BY: Lindsey

Great Service

I love Embrace for wellness as they can provide you coverage Day Of. I had another provider and was unaware they did not cover routine shots. I signed up with Embrace that day and it was covered. Fast payment and really friendly service. Highly recommend.
5

out of 5

POSTED: | BY: Lisa

Awesome!

I have nothing but positive feedback for Embrace. My wellness claims have been reimbursed quickly and everyone has been responsive and friendly. Thanks!
1

out of 5

POSTED: | BY: Reza F

Stay Away!

This company is such a rip-off! Please stay away. I got this insurance knowing that at one point my puppy would need to be neutered. I paid every monthly payment on time, gladly. Then my puppy has his procedure and already at 7 months, apparently he has reached his max coverage and his neutering procedure is declined! Screw you, Embrace! Embrace this!!!! I gotta say, the turnaround time to decline the claim was amazing! I will be spreading this in the same amount of time, on every social network possible (Facebook, 500 friends! Tweeter, 1500 followers, LinkedIn, 600 connections)!
5

out of 5

POSTED: | BY: Mary

Always great

I recommend Embrace to any pet owners. They are reliable, professional, very easy and pleasant to work with on claims or questions. I have added all of our animals to our policy.
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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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