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.
1

out of 5

POSTED: | BY: Debra Daniel

I think your Company stinks!

I loved your insurance at first. But then, when I wanted to change my deductable, they said I would have to get my dog ANOTHER Orthopedic exam, AND on top of that! I would have a waiting period all over again, in other words, I'd be just like a new policy holder! AND!@!!@!! On top of that insult, I'm not being paid out for all my wellness claims!!! This is way more than unacceptable! It is an insult! Why would you treat a policy holder this way? I'm sorry I ever gqave you a dime! You are a rip-off!
5

out of 5

POSTED: | BY: Alex

good deal that makes a difference

I'm really glad we not only have insurance but that we choose Embrace. We've owned dogs for almost 30 years and rarely had anything more than wellness checks. But we got the insurance with our most recent dogs and wouldn't you know we've had issues from intestinal blockage surgery, chronic allergies, and the ever popular "unknown malady" that requires plenty of tests. Embrace is great at acknowledging claim receipt so we know if the vet set it in. They process quickly and if there is going to be a delay they let you know. The direct deposit of benefits is wonderful!
5

out of 5

POSTED: | BY: Mari Grosso

Could not find the right insurance, I found it!

I have recommend Embrace to my friend that also has had a very hard time with figuring out the right insurance for her dog. I told her that Embrace was the way to go! They are very clear on the benefits and I was surprise on how easy it is to use. I just fill out a very simple claim form and get an e-mail saying what is covered and a check in the mail. I plan to keep spreading the news and will tell my vet also to recommend Embrace as the way to go. So easy and hassle free to work with. Thanks Embrace its a pure pleasure to have my Lefty insured by you. Worth it to not to be afraid to go to the Vet.
5

out of 5

POSTED: | BY: Kathryn

Fast turnaround

Very quick email response to submitted claims and soon received reimbursement check. Recently had a cat who ad lymphoma and I did not have pet insurance..won't be caught without it again Price is good for 2 healthy kittens I'm very pleased
5

out of 5

POSTED: | BY: Don Manteuffel

Embrace is the best !!!

We have been with Embrace over 7 years. They are the best in processing Illness Claims for our Dog Cody. He has been sick the last 2 months. He is gettting better now. I have told our Vet(Dr Serra)at Wood River Animal Hospital in (RI) how great Embrace is in processing our claims with the benefits that we have. Also have told cleints and friends about Embrace. Great owners and staff at Embrace.

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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