Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,177

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: Jennifer Emerson

Thank you for your great service.

My young cat suddenly became ill with overwhelming veterinary bills. Thankfully, having Embrace Pet Insurance reduced the stress of the situation by providing for a majority of the cost. This insurance has proven itself to be a huge benefit as a pet owner.
1

out of 5

POSTED: | BY: closed account

Dis -satified

The vet had diagnosed my dog with a cristalized mass located below his right eye that turned out to be a localized cancer,I had purchased the insurance a year ago,my claim was denied because it was determined by the insurance to be a pre existing condition,and because I did not follow up on the exam in the alloted time, it was denied,even though I had submitted the exam stating a non pre existing condition from the vet at time of injury,I am venting my anger because Embrace insurance claims to be a caring insurance only when it puts money in there pockets and not the wellfare of the clients pets,This need not be posted because I will be blogging my review at other sites
5

out of 5

POSTED: | BY: VC

So Far, Really Good!

We just got a rescue puppy and we selected Embrace as our pet insurance company. We also signed up for the Wellness plan. The response and customer service has been impeccable. The representatives are so helpful and fast. We submitted some claims under the Wellness plan and were promptly reimbursed. The other claim for a minor ailment was subtracted from our deductible. After thoroughly researching the options, we chose Embrace and we have no doubt that we made the right decision!
5

out of 5

POSTED: | BY: L. Small

NOT a One Hit Wonder!

EMBRACE has consistently without fail or delay, resolved claims expediently, courteously, and fairly. I continue to be amazed and GRATEFUL for each claim reimbursement that we receive. Most recently my elderly dog Buddy tore his cruciate ligament with an invoice of $4694.14 less our 10% co-pay--we received a REFUND of $4,224.73. I hate to think about all the poor dogs who would have to lose their legs, or be put to sleep because their owners couldn't afford this life-saving surgery. I tell my friends that INSURANCE IS ESSENTIAL if you love your animals and worry about the financial responsibilities.I love EMBRACE.
5

out of 5

POSTED: | BY: Gary Thurman

Thank Goodness for Embrase!

Our Yellow Lab Abby (age 6), has been dealing with chronic anal gland issues for about 18 months now, and thank goodness Embrace is there. We do a lot of traveling, and Abby enjoys coming along with us as well (after all... she is part of the family). Since we never know what could happen along the way, we wanted to make sure that we had some insurance coverage for Abby as well (just for those "Emergency" situations). We are planning a big trip for next year, and want to make sure that Abby is physically ready for that trip as well. We had to return home early on our last outing, as Abby's anal glands became infected once again, and we had to make a trip to an emergency vet on a Sunday. Embrace made that experience a lot easier to take, as we knew that they had Abby's best interest in mind as well. Thankfully, all the emergency vet bills were handled in a timely manner, and we received a reimbursement check within the same month of the Emergency Vet service. Thank you!

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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