Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Julia E.

VPI? Who is that?

I have to say that I haven't had pet insurance for years because I had VPI before and it totally turned me off and made me feel like I was wasting my money. With 2 Great Danes now I had to do something as I knew that I'd need some sort of coverage. I was referred to Embrace from a friend with multiple Danes and I have thanked her for her recommendation because I am thoroughly impressed! Thank you for your wonderful customer service and quick claim turnarounds!!!
5

out of 5

POSTED: | BY: michelle bumgardner

it was fast, easy, and everything that they claim

Because I didn't have the policy for very long I was not sure if they would cover her illness and they did. other companies that I had contacted would not cover her at tat age or the price was very high.
4

out of 5

POSTED: | BY: Mary Ann

Wish I had know that I had a $500. deductible!

Some of this visit for Max was to review his status on an illness /skin rash he had on an earlier date. He was then also given rabies and kennel cough shots. I believe some of the claim should go toward the illness aspect, since that was the main reason for returning to the clinic. Maybe you can pass this info. on to the Vet from Oceanview. Thanks. Mary Ann Gonsalves
5

out of 5

POSTED: | BY: Jeanne Duncan

Still fabulous

I've been with Embrace for almost 7 years and have nothing but positive things to say. I have two dogs and a cat, and while one dog and the cat have required almost no care, my 13-year-old cattle dog mix, Peggy, has Cushings and arthritis and a variety of other age-related issues. My Embrace coverage gives me the ability to make her final months/years as comfortable as I possibly can. They provide superior coverage at an affordable price, with quick reimbursement. It's really amazing. I wish my human insurance worked as well! I recommend Embrace to friends and to all the veterinary professionals on Peggy's team. Thank you!
5

out of 5

POSTED: | BY: Suzanne

Smart Choice

We are new to Embrace but we are already impressed. They seem to be true to their word when they sold us the insurance. We picked up the insurance when our Golden was just turning five. Now at almost six years old he has been diagnosed with a heart condition. When you pick up insurance at a later age there are some pre existing condition exclusions which could be wiggle room for Embrace for non payment. With this new diagnosis we felt they made their reimbursement decisions fairly. They have been terrific about recognizing it is a new condition. The claims department has great customer service and response time. The EOB's (Explanation of Benefits ) statements are clear and understandable and payment of reimbursements are swift. We are very happy so far.

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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