Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Linda E.

OK, so far so good

My young dog seemed to have injured his back, an emergency vet visit cost $265 but it was not payable because I had elected the $500 deductible. OK, I had forgotten about that. But why did it take 3 weeks to inform/remind me of that? They did let me know about the delay though.
1

out of 5

POSTED: | BY: Christina

Do not waste your money

Every single claim I had they denied. The last one was for an eye injury which they tried to say was due to an aggressive animal in the house which is a 5 lb declawed kitten. Instead of an actual trauma outdoors that she experienced. Save your money and buy another insurance.
5

out of 5

POSTED: | BY: Cindy Napoletano

Excellent customer service! Quicker than thought

I was first told this claim would take 25 days which was disappointing. Yet, it only took about a week. I was impressed by the constant updates regarding my claim. I will and have recommended this insurance to others. Thank you!
5

out of 5

POSTED: | BY: Lori

Responsive & Helpful

For the past 3 years, I have had my pet insured through Embrace. I like the peace of mind in knowing that if an illness of injury occurs, I can have it treated without hesitation and not be hindered by the expense. I have found the claims specialists, for the most part, to be knowlegeable and helpful when advising me about how to best utilize my coverage and Wellness Policy so that expenses will be covered. I also appreciate the claim updates I receive so that I know my submitted bills are "in process" and the direct deposit option is very handy and convenient.
5

out of 5

POSTED: | BY: Judy Witterschein

Good start

I recently purchased a policy for my 1 year old labradoodle. I added the Wellness coverage and submitted a claim about a month after I purchased the coverage. The claim was paid very quickly, with no questions asked. I was very pleased.
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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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