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.
5

out of 5

POSTED: | BY: evelyn m

Jaws no more

My yorkie had two sets of teeth (the permanent set were growing behind the baby set that would not fall out). We started to call him jaws for his razorsharp teeth. The vet said they needed to be removed and surgery was scheduled. I was not sure if insurance would cover it since my policy was only 1 month old. They covered everything. Get dental rewards. It is worth it. I paid for the entire year in advance to also save money. Hopefully he will not have any more teeth issues but we will definitely get dental rewards again!!
5

out of 5

POSTED: | BY: Adam Hecktman

Wow, that was fast!

I had my first claim (for a wellness visit). I cannot believe how quickly I was able to submit the claim, and how quickly I received notice that it was issued! I feel very comforted at having this insurance for my buddy.
5

out of 5

POSTED: | BY: Tiffany Walls

Very Pleased

I received my puppy in August and signed up with Embrace that November. I must say that I am very pleased with them. There were a few issues with my address (I live in a PO Box village) but they were kind enough to send an apology gift certificate to Starbucks. Once I signed up for direct deposit, the claim returns were in my account the very next day. The are efficient, kind, and caring. Definately recommended!!
5

out of 5

POSTED: | BY: James Osterhaus

Great Service and Prompt Payment

My cat has been battling Lymphoma the last 2 1/2 years. During that time Embrace was prompt (within 24 hrs) in sending me an email acknowledging that my claim was received and like the acknowledgment stated I got my payment within two weeks. Sometimes in one week. Embrace has been nothing but professional, prompt and courteous while we struggle with along with our cat to treat her illness.
1

out of 5

POSTED: | BY: Sean OShea

Unhappy with excuses.

I am not happy at all so far with Embrace. They began by requesting far more information about our new puppy than any other insurance company. I have a cat insured with VPI and they have paid all claims from the very beginning for that animal. Additionally, Embrace has a two week waitiung period after you sign up when there is no coverage at all. They have claimed that vet visits after the two week period were during the two week period, etc. Furthermore, you deal with several differnt people who all want more information on the same issues. Its like the left hand doesnt know what the right hand is doing. Very dissatisfied so far.+-
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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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