Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,249

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: George

First Time Claim

I had never reached my deductible for several years, but finally filed a claim higher than my deductible in July 2014. The claims representative sent me a summary of the claims filed prior to meeting the deductible so I did not have to research my own files to see what payment would be forthcoming. That was very helpful. The claim notification and supporting claims review process is clear and easy to understand, and fast too. Only a few days from receipt to final review. Emails received during each step of the process. Very satisfied.
5

out of 5

POSTED: | BY: Brian Moreira

Exceptional all around makes them the best!

We've been with Embrace for a few years and since day one they have been great. The process, service and communication is top notch. We are impressed with the ease of claims and their communication to follow up via email on claims and questions you may have.
5

out of 5

POSTED: | BY: Patty Hook

Quick claims review

My dogs yearly claims for her immune condition. My dog was diagnosed with a rare immune disease in 2010. Less than 1% of all dogs have this condition. Fortunately, when I adopted her from the dog shelter in 2008, I got her Embrace policy. I turned in $3000 worth of claims in 2010 which were promptly paid by Embrace once they had her doctors records. She must go in yearly for rechecks which cost around $400. However, this year she also had some minor illnesses of diarrhea a couple of times and ear infections. I kept all of my bills for her (over $1000) and turned them in on Monday and they were paid on Friday.
1

out of 5

POSTED: | BY: Policy Holder

Beware embrace

Embrace is very aggressive in preexisting conditions exclusions. They will exclude a wide array of conditions if your pet has ever had diarrhea or other common issues. Their marketing is very slick, but when push comes to shove they are quick to leave you with the bill and a sick pet.
5

out of 5

POSTED: | BY: Elissa Dellosso

Never a Problem

I had another company before Embrace for my dog and my cats and they always found a reason to deny my claim. Embrace has accepted every claim I've submitted so far. If course, I've never had more than my deductible in expenses, but I'd rather have a healthy pet than make back the money I've spent in insurance and vet fees.

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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