Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,219

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: David &

Scam

Complete scam, covers nothing. Not only did it not cover ANY of the claim amount, but I am out the $70 dollars a month I have been paying for 5 months. I am canceling the policy immediately
5

out of 5

POSTED: | BY: Norien

An Insurance Company that Gets It!

Our family knows insurance well and have been very pleased with Embrace and its quick response to our initial claim. The process was simple, easy and efficient. Our claim for our puppy's prescription diet food is being paid under the wellness plan. Puppies are sometimes born with sensitivities and often will outgrow them. Embrace is the only pet insurer that gets that. Food allergies are considered a pre-existing condition by most other pet insurance companies. Embrace covered our dog's RX food because they understand that food allergies are cureable. It just takes time to figure out the cause. Thank you Embrace for getting it!
5

out of 5

POSTED: | BY: Margot Van

TERRIFIC

2011 was not the kindest year for my dear little 7 year old Hugo, a 10 lb. toy poodle. At the beginning of the year he almost died from hemorrhagic enterities and then at the end of the year he had another similar experience--both emergency vet stays of course on Sundays which meant a lot more financial cost. Then he was diagnosed with luxating patellas and even worse, degenerative disc disease which involved some amazing accupuncture and chiropratic treatments which were so helpful. Thank goodness I had just changed over from a pet insurance which I was NOT happy with to Embrace. From the very get-go of filling out the forms, etc. I recognized how organized they are. As well, the follow up is amazing and so personal. Lastly, the reimbursements are speedy and I have them go directly in my bank account which makes the whole thing so easy. Thank goodness for Embrace!!!! I would heartily recommend them for any pet owner.
5

out of 5

POSTED: | BY: Fabiana Staino

Efficiency.

It is the second year that I have changed our pet's insurance and really is the one that we have used it. We are satisfied.
5

out of 5

POSTED: | BY: Marsha Effner

Amazing response time.

I wqas impressed with how quickly my claim was processed after Blazer's surgery. My past experience with other insurers had left me with a jaded expectation of results. I had an acknowledgement of my claim in less than a week with a check in the mail. Wow!

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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