Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,434

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: Janine

So far so good

I have both of my dogs newly insured with Embrace. Previously I had VPI and Pet First insurance. I have to say that Embrace has paid much more than other insurance companies. I primarily use insurance for wellness exams. Many companies do not even offer wellness coverage. I am very satisfied with Embrace so far.
5

out of 5

POSTED: | BY: Dana

Very good service

I have only used Embrace twice for covered expenses for my cat Sasha. Luckily nothng too serious, but Embrace has been very nice and quick in my reimbursements. I would feel no need to use any other insurance. Their prices are about the same as other pet insurances and I like their quick and courteous responses.
2

out of 5

POSTED: | BY: Iris

Never got out of the starting blocks

I really wanted to use this company and my vet complied with all of their paperwork requests by sending complete medical records. I hadn't even submitted a claim when I started getting contacts from claim adjusters nitpicking the files and creating pre-existing exclusions for the pets. If you took your animal to the vet for anything other than routine shots in the past, it's a pre-existing condition, even if it was a minor matter and you were being proactive with your animal's care. The experience honestly confirmed all of the negative things I've heard about pet insurance companies, and Embrace is supposed to be one of the best. I'm going to take what I would have paid in a premium and put it in a segregated savings account, continue to take good care of my animals, and avoid the frustration and bureaucracy posed by pet insurance. I will write off the loss of $200 in premiums as a lesson learned.
5

out of 5

POSTED: | BY: Tom Serena

Excellent Customer Service

Having been burned by pet insurance before, I was skeptical about trying it again. I read a lot of reviews and information before choosing Embrace. I'm very happy with my decision. The response time from customer service is excellent. In one case I submitted an incomplete claim and Embrace followed up with out vet without me even asking. AND - they have paid my claims far more quickly than I expected.
5

out of 5

POSTED: | BY: Helena Cisario

Helena Cisario

Very satisfied. Claim handled in a timely manner. My other Pet insurance company took at least 1 month to settle claim. Customer service employees very courteous and friendly.
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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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