Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: Bridget M

Having Embrace insurance has given me peace of mind.

Having Embrace insurance has given me the peace of mind that I can take care of my dogs' health without breaking the bank. I have had Embrace for about 11 years. I was able to afford the surgery to save my dog's life from "bloat" (stomach extension) and not worry about the cost.
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2

out of 5

POSTED: | BY: Patti Ahearn Ahearn

I submitted a claim when my dog Biscuit experienced a brain swell.

I submitted a claim when my dog Biscuit had a brain swell. Woever rejected my claim shortly after it arrived apparently did not even read what was sent. Biscuit couldn't stand and his head kept turning to the left. I immediately took him to a hospital that I knew had a neurologist. Because I only purchased the policy a little over a month before this happened it was rejected because of orthopedic reasons (that being he couldn't stand). Also, the person took it upon him or herself to diagnose my dog with anorexia. Nowhere in the chart does it say he is anorexic, just that he isn't a big eater. He's a five pound Pomeranian and is incredibly fussy, as most little dogs seem to be. However, when I called to speak to someone I was told the second adjuster had just left for the day. I left my name and number and thought I would have to call back. To be honest, at this point I never expected a call back due to my experience so far. To my surprise Rebecca called me back and told me my claim was approved. Apparently someone who cared enough to actually read the chart realized it was meningitis. Rebecca could not have been any more professional, going as far was apologizing for any upset I experienced. I rated this only two stars due to how this claim was initially handled. I'm more than happy with the outcome. Sincerely, Patti Ahearn
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5

out of 5

POSTED: | BY: Johnnie Newman

The is the best pet insurance I have…

The is the best pet insurance I have found and used. Never had a moments trouble. The web site is so simple. Great insurance
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5

out of 5

POSTED: | BY: Shannon Flaherty

Delivered as promised, quickly, and thoughtfully

Embrace quickly paid out exactly as the policy outlined they would, and were kind and thoughtful as I navigated the process. I was reimbursed quickly and was pleasantly surprised there was no back and forth or additional questions. Breath of fresh air compared to human health insurance!
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5

out of 5

POSTED: | BY: Crissy Clover

This was a very easy and convenient…

This was a very easy and convenient process. Very happy with our choice in carriers.
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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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