Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Ed Waters

MY BEST FRIEND TORE HIS ACL

About one month ago, we were told that our 6 year old Lab tore his ACL and surgery would be required. The cost was $4,000 and Embrace covered 80% just as they had promised. The claim was received and entered and we were notified. The check was cuta and we were notified with the specifics of the payment. I am very very impressed with Embrace and wish them continued success. Thank you to the Embrace team!
5

out of 5

POSTED: | BY: Mike

Awesome Claim Response

Alex Krooglik,Did an awesome job in processing our claim ... Extremely happy we switch from VPI to embrace pet insurance with our new puppies !!!
5

out of 5

POSTED: | BY: Jaime

Pleasure to work with re: our puppy

Our beagle/shar-pei mix puppy Herman had to have an entropion corrected (essentially an eye lift!) and had some unanticipated intestinal blockage before the surgery. Embrace covered 90% of both the planned and unplanned portions and checked in with us about how Herman was recovering. They even found an error in one of our claims a month later and sent us the difference. Needless to say, my experience with them has been very positive. Herman is doing just great, btw!
5

out of 5

POSTED: | BY: Sharon

Fabulous service

Embrace has always been quick, efficient and quite easy. The rep that I email with is very accessible and FAST. I am very satisfied with this service.
1

out of 5

POSTED: | BY: Francine Daniels

Goodbye Embrace

I filed a claim in August on an August 7 date of service. The amt of the claim was almost $300. Today, Oct 3 I finally rec'd a reply about the claims. They have agreed to pay $51. I have waited for 2 months for them to process the claim!! I AM THROUGH WITH THEM. Their marketing media was totally propaganda!! Good by Embrace or should I say "DISTASTE"!!! THANKS so much for your misrepresentation!!!BTW, THIS IS THE 3rd claim submitted - they paid ZERO on the first 2 and a whooping $51 on this one which good 2 MONTHS to get a response!!!!
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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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