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.
5

out of 5

POSTED: | BY: Suzanne

What you see is what you get-AND easy to deal with

Over the past year and a half my young "healthy" dog has had a series of issues for which he's needed thousands of dollars in veterinary care. Through several claims Embrace has been easy to deal with, responsive and the level of coverage did not change even though we maxed out the first year. As someone who works in the Animal Health industry I believe pet insurance is a must and I highly recommend Embrace!
2

out of 5

POSTED: | BY: Lee

I tried to work with these people

I was really confused reading the reviews on Embrace, which are almost all glowing 10 out of 10, extolling the best-ever, kind, compassionate, helpful service. I wondered what I had done wrong...but every now and then I found a review that told a story identical to mine -- we complied with every bit of paperwork when applying but then the questioning and designation of pre-existing conditions started, and reps were asking for my pet's file when it had been faxed to them 2 weeks earlier. My wife and I decided to cancel our policy -- at least Embrace gave us a partial month's credit, so we were out $140 rather than $200. However, I had no confidence that a large claim would be covered, because claims adjusters would start looking through my pet's file to find something to call a pre-existing condition in order to deny our claim
5

out of 5

POSTED: | BY: Catherine

Prompt attention to my claim

I always get a fast response on my claims. However, I am having trouble with my Vet's office filing my claims and the necessary information concerning my Jack's treatment. I received my reimbursement right away for my wellness claim, but the office did not forward his medical records which caused me to lose my reimbursement for some allergy meds he was prescribed. I may be looking for a new Vet that will accommodate my needs.
5

out of 5

POSTED: | BY: Rachelle

Excellent service and most comprehensive coverage

I shopped around quite a bit before I bought, and this was the most comprehensive coverage I could find. They are the only company I've seen that will at least consider coverage for a pre-existing condition if the pet goes symptom free for a year. They are also extremely service based, offering top notch customer service, and very fast, friendly responses! They go above and beyond, which is rare in the insurance industry.
5

out of 5

POSTED: | BY: Betty

Very quick response,

Thank you for the prompt response and follow up on my claim for Handsome.
Please leave a review

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.
Provider website

Get a quote today

Leave a review