Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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.
1

out of 5

POSTED: | BY: John

To long of wait time

Submitted a claim for diarrhea and the entire bill was turned down. Did not know you have to wait a year that's right a full year before they will consider it. We got the dog from a pound 3 years ago and she got diarrhea about 8 months ago that claim was denied. So 8 months later the dog ate something on the ground got sick and diarrhea again sense it happen in a 1 year window the claim was denied again. So after the higher premiums ($70 a month) paid over a year and a half it covered nothing. I assumed diarrhea would be wellness NOPE!
5

out of 5

POSTED: | BY: Masae

Amazing wellness plan!

I just received a check from Embrace for wellness claim. Turn around was less than a week. My cat needed a teeth cleaning and one extraction. I don't think any other insurance companies cover up to $400 for preventative care. Their response is always very fast and caring. I am impressed!
5

out of 5

POSTED: | BY: Alex Cudaback

Fair and Fast

I wish my family's insurance worked as fairly and quickly as Embrace does for our dog Nacho! Seriously, through a rather scary time working out some early potential hip dysplasia scares Embrace has always said what they were going to do, namely helping us through the difficulty of an already trying time. Every claim has been responded to quickly and the decisions explained clearly and fairly. Never having purchased pet insurance before, I've quickly become a convert to the benefit.
5

out of 5

POSTED: | BY: Diane

Wellness and follow up illness

I have had this insurance for wellnes and illness for almost 3 years and am very happy. This claim was for canine distemper and follow up anal infection. Claims are processed unbelievably fast and checks are in my mailbox within a week. I highly recommend the higher wellness plan, it is definitely worth the money.
5

out of 5

POSTED: | BY: M.Fisher

Good customer service and coverage!

We've had the policy enforce for a long while now and unfortunately have now had to submit a claim. I called customer service with some questions and they were very patient and helpful. The claim process was easy and they reimbursed 65% of the claim.
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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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