Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

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: Joyce Marchesi

Embrace is the best decision we made for pet Ins.

Anytime we have had a claim, and there have been quite a few since our Greyhound is a rescue dog with alot of issues. When she would go to the Vet. and a bill was submitted to Embrace, it was paid within two weeks. We are very happy we chose Embrace. Also, all the people who answer the phones are A+.
5

out of 5

POSTED: | BY: Rachael Compton

So far so good

I am new to pet insurance world. I did not have pet insurance for my previous dog and am trying it out for my new puppy. So far it has been extremely easy and rewarding.Claims are addressed in a timely manner and the refund check arrives promptly. I have only dealt with wellness coverage thus far - no accident or illness. So far my experience with Embrace has been a positive one.
1

out of 5

POSTED: | BY: Angela

Headache

I have three cats they are all on embrace. So far it has been one thing after another with the preexisting claims. My cat went in for vomiting. They say it preexisting because it doctors notes she was vomiting before. i think that is BS because its like when you catch a virus or bacteria infection one year then catch it again its not preexisting it happens its symptom of something else. I understand if she had kidney failure or a heart condition. Another thing my cat is 13 and is not covered for illness she could live another ten years why not cover her.
5

out of 5

POSTED: | BY: Conny Simonet

Excellent customer service!

Excellent service ! We submitted a claim for more than $2500. Embrace contacted our vet for additional information; never asked us to mail additional info. We concentrated on the recovery of our dog while Embrace took care of all the paper work. And Embrace mailed a check within two weeks! Very pleased.
5

out of 5

POSTED: | BY: Maureen B

Excellent service

I have just had my golden retriever puppy neutered, and I was "saving" my wellness dollars to use toward this claim. i submitted the claim, by fax, and in less than one week, heard back from customer service that my claim was covered for my annual dollar amount. My pup also got an infection, post op, unfortunately, and I was able to submit the medications under the wellness portion of the policy. I am very, very impressed with the customer service received by Embrace. They are always super courteous, answer my questions, and respond very promptly. I have already recommended them to several of my friends. In the past years, I have had other insurance, but did not receive the same efficient service as I am receiving with Embrace. Thank you!

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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