Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,440

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: Laura

Kept Promise of Service

The Embrace Pet Insurance program is amazing! My Bella became ill and it was with ease to make my claims and I received reimbursement within days. To select and set up my insurance plan was easy as the various plans were understandable and the website user friendly. When I needed to make a claim the forms were easy to fill out and send in. Within days, my vet had been contacted and payment was issued. Additionally, the ability to receive benefits within the Wellness program is a great way to recover some of the expenses that pet owners spend on their loved ones.
1

out of 5

POSTED: | BY: David

Puppy Pyoderma chronic--by who's definition?

Pretty disappointed by our most recent interaction with Embrace. Our puppy was diagnosed with puppy pyoderma at their first Vet check, something the Vet noted to be very normal for any puppy, and now that it's gone we're getting slapped with a $100 payment claiming chronic condition ... chronic by their definition being noted prior to the end of the waiting period NOT the medical definition of lasting for 6 months or longer. Sorely disappointed, Embrace. Advice to new Embrace members--don't mention ANYTHING to your Vet because apparently it will only result in providing Embrace with an excuse to keep any addition incoming funds. Thanks for nothing?
5

out of 5

POSTED: | BY: Tawny Maus

AWESOME

My cat, Grace , went in for her 6 month wellness exam and we found that she had a serious illness, Autoimmune Anemia.I was shocked!!!! She needed blood tests, an Ultra sound and medication, all of which could become expensive quickly. But cost wasn't a concern because I knew that Grace was covered by Embrace. Choosing Embrace for Grace was the best decision I ever made for my best friend, Grace. Everyone who gets a kitten or puppy should insure their health with Embrace.
5

out of 5

POSTED: | BY: Lonnetta

Embrace is on top of it!

Thank you for being so on top of my reimbursements. It is so hard going through what I am experiencing with my paralyzed pup and expenses. It makes it easier on me that Embrace is prompt and courteous in dealing with my claims. It really helps my stress through all of this. Charlotte my Frenchy thanks you too.
5

out of 5

POSTED: | BY: Mom of

Amazing

My experience with Embrace has been SUPERIOR. They are the BEST provider for my sweet pups. They pay promptly, the claim processing is efficient, the customer service is outstanding. They have been outstanding processing multiple claims for my pup who suffers with severe hip dysplasia. I cannot stress enough how FABULOUS Embrace has been and I sleep much better knowing my guys are covered WITHOUT gimmicks with Embrace.

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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