Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Susan Alpern

They always come through

Our dog required a follow-up surgery when a mastocytoma was not completely removed. The surgery was over $3000 because a specialist had to enlarge the margins of the prior surgery and remove a flap from her belly to cover the large wound. Embrace paid everything other than our deductible and take home meds. We have had several claims over the years and they have always been reliable in paying what they say they cover.
5

out of 5

POSTED: | BY: Pat Gale

Great Claims Service

I have submitted several claims for my 1 year old cavalier king charles spaniel. Each claim has been reviewed and ultimately paid ina very timely manner. Thanks Embrace!! I couldn't be happier with my choice for pet insurance
2

out of 5

POSTED: | BY: Douglas Reid

Increasingly Poor Service

Every claim that I submit it seems like I automatically get the "apology email" saying that "it is not like us" and "we don't normally take this long". It is becoming clear that you do normally take this long and you take advantage of your customers.
5

out of 5

POSTED: | BY: Gwyn Baumgartner

Peke Reimbursement

The reinbursement took a little longer than usual...but they are the greatest by far. I have 6 pekes and 2 persians covered. I always wondered if I should have i pet nsurance. I tried Embrace and love them.No one can expect cheap insurance and have great coverage and costs covered. Embrace is not cheap...but every penny is worth it.
4

out of 5

POSTED: | BY: Jim Concannon

No problem on claim.

Three weeks ago we had our Boston terier nuetered. We have the wellness protection and there was no problem at all in getting the reimbursement. Smooth so long as you file the right paperwork.
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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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