Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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.
4

out of 5

POSTED: | BY: Cathy

Embrace Was There When I Needed It

My Golden Retriever Putter, was neutered and I noticed he was scratching quite a bit after. Two weeks later he was operated again for swallowing 3 large rocks. Unfortunately, he was still scratching (which we are still trying to determine). To date I have spent over $5300 and I can't tell you how much easier it is to have the Embrace coverage. I will never own another dog without Embrace insurance. The people are so helpful explaining the claims and anything else you need. I am thinking of expanding for my cat as well.
5

out of 5

POSTED: | BY: Linda Hyke

Quick in response

We took the pup in due to coughing and sent in the claim in case it would amount to more than the innitial visit. Thankfully it did not and Amelia got well from good care and and minimum meds. Thank you for your quick response.Linda
1

out of 5

POSTED: | BY: Heather Gustafson

Horrible experience

I signed up for Embrace a few months ago. My cat had an accident that caused lameness and laceration on his hind leg and I brought him to the vet. I submitted my claim to Embrace. They denied me coverage, stating that it was a related incident to a wound that my pet had had prior to my signing up for the policy. It is completely unrelated. I am so disappointed. What a waste of my money and time. Furthermore they took more than three weeks to come to this decision. Very bad customer service.
5

out of 5

POSTED: | BY: Alex N

Top notch cutomer service, honest company

Very clear explanation of what's covered and what's not.Checks are sent within few days of submitting claims. I like their Wellness program that allows to save money on non-accident/illness procedures. Very personal, efficient service if you have any questions.
5

out of 5

POSTED: | BY: Anthony Morabito

Easy to use and great customer service!

Used the wellness benefit to pay for a spay and gastroplexy on my bloodhound. Easy to print out claim form and have the vet fax it for me. My claim was paid within 2 weeks. The whole time the customer service was excellent with emails keeping me up to date on the claim status. Embrace even automatically changed my bloodhounds status to spayed and saved me money for next year. Haven't had yo use the emergency coverage and hipe I don't have to but I'm keeping the coverage for as long as I can.
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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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