Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Theresa

A Smart Decision

I have 3 dogs and never had to use my insurance until this August when my 4 yr old dog developed an unusual looking cancer? The presentation of his disease is not consistent with his biopsies and has taken alot of dectective work to find out if it is treatable. Embrace has paid for what they said they would and has made this whole process a little easier. The turn around time for the claims is about 3 weeks.
5

out of 5

POSTED: | BY: Kevin

The Best

When I was about to get a Chinese Shar-pei puppy I looked into pet insurance as the breed has a history of health problems. Embrace was the only company I found that would cover breeds specific/genetic problems so I went with Embrace. I was a little skeptical when I started to submit claims but honestly, I couldn't be happier. Embrace reimburses quickly and has never challenged a claim. In the first year my shar-pei has undergone 2 entropy surgeries, 1 bout of mange, 1 bout of hystiocytoma and Embrace didn't balk at any of it. I'll be staying with embrace for year 2 of my little girls life.
5

out of 5

POSTED: | BY: Peter

As advertised

Policy fulfilled as written. Will continue to use Embrace in the future- excellent company.
5

out of 5

POSTED: | BY: Kelly

In love with insurance?

This is an excellent company and should serve as a model for how other businesses-- any business. The ease of use and customer service is fantastic. They provide pre-printed forms, you fax them in, they respond immediately with an email that is easy to read and understand and pay out very quickly (they even have direct deposit)-- or provide a clear reasonable answer if the event is not covered or you have hit your limit. Love!
3

out of 5

POSTED: | BY: Christine

Very disappointed in Embrace

I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.
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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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