Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,539

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: Jim &

Claims are always processed promptly and fairly.

We have a middle aged Dane who is showing spinal issues. At the recommendation of the neurologist we had an MRI performed which, happily, eliminated the most serious possibilities. Embrace paid a significant fraction of the cost. We have two Great Danes currently insured by Embrace and also had previous Danes covered. We have always been highly satisfied by their coverage and professional service. Our vet remarked on a previous claim that the percent paid was surprisingly generous, so we are not alone in our recognition of Embrace
5

out of 5

POSTED: | BY: Scott

MR

Not only are Embrace's rates and coverage the best in the business, but the customer service staff has always been extremely patient, courteous, and prompt with explanations and payments on claims. They don't make up reasons to deny claims.
4

out of 5

POSTED: | BY: Anthony

Claim Approved

My Beagle had an condition that Embrace said was pre-existing and would not cover. I went back and forth with Embrace. With great help from my vet writing letters and explaining her notes she requested that Embrace cover her treatment. This condition was not pre-existing. The underwriters accepted the appeal and approved the coverage. If you believe you should be covered for a condition and it is not pre-existing, you should fight for it.
5

out of 5

POSTED: | BY: Petra Kucharik

Embrace is No. 1

Our furry friend, was diagnosed with heart worms in march 2014. Two month before our business trip to germany. We started treatment in the USA and due to Embrace wonderful staff where able to continue the treatment in Europe. Now the treatment is almost done and I have to say I am so amazed how wonderful Embrace handled our very special situation. All costs where covered fast and even if we send in germany invoices it was no problem at all. All our questions where answered within a day. They even got somebody who could translated them at Embrace. I am so grateful for Embrace and wish our family health insurance would be that easy too. Thank you Embrace-Team - you all are wonderful!!!!
5

out of 5

POSTED: | BY: Thomas Williams

Prompt service

My leonberger has had frequent visits to his vet for loose bowel movements. He was recommended to an internal specialist. He was diagnosed with chronic irritable bowel syndrome which can be lifelong. I submitted the $1,800.00 bill to Embrace and within a one week, they notified me that I would be reimbursed $1,400.00. The initial cost was surprising, as was the prompt refund that I received from Embrace. I was very grateful for the reimbursement.

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 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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