Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,172

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: Jeanne Duncan

Continued great service

My dogs have been insured by Embrace for about four years now. About six months ago Peggy, my older dog, was diagnosed with Cushing's Disease. She's responding great to the treatment, and I am SO grateful to Embrace for making it so easy for me to get her the care she needs. The reimbursement process is quick and easy, and everyone is so kind! I am one happy customer. Thank you!Jeanne Duncan
5

out of 5

POSTED: | BY: Lynn Veronica

love pet embrace

I have a Yorkie and purchased Pet Embrace for her almost as soon as she came to live with us. When she was a puppy and I a new pet parent we had several incidents where she was into things that would make her sick. She picked up a leaf from a plant to have us chase her not knowing it would make her very sick. We rushed her to our vet and had her feeling better in no time and Pet Embrace was there for us. Another time she was very ill vomiting and had an emergency trip to vet on a sunday and Pet Embrace took care of our claim promptly. This is a great company and I really wish my insurance company for me was this good.
2

out of 5

POSTED: | BY: Fern Gladstone

Dissapointed

I can't believe that Tucker has to go a year from the last time he was sick with vomiting and diarrhea before you will cover another claim with the same problem. This must be buried somewhere way down in the small print. This denial pretty much makes up my mind...no insurance next year.
5

out of 5

POSTED: | BY: Alice Winfree

Tremendously fast turnaround on claims!

Wow am I impressed with Embrace & with Jennifer the Embracer who just got back to me on my recent Wellness claim. I've never seen such fast turnaround time on claims - it's amazing. My 2 kitties both are covered under Embrace Wellness & I&A plans; the Wellness plan has been a godsend re: my kitty-girl Pepita's special dietary-food needs. And the other claims I've filed have all been handled with impressive promptness, and by such nice and caring Embracers. I *highly* recommend Embrace Pet Insurance!
5

out of 5

POSTED: | BY: Jessica St.

Excellent All Around!

This is our first experience with pet insurance, and I must say we will never be without it again! At only two years old, our yellow lab Molly started experiencing medical problems with constant UTIs and leaking urine. After a long go-round of doctors and tests, she was diagnosed with two ectopic ureters that required surgery. We were so thankful to know we could give Molly the medical care she needs and deserves because Embrace was there to help us the whole way. The bills to identify and resolve the problem (including a week long hospital stay, due to post-surgery complications) stacked up to over $7,000. Embrace came to the rescue with nearly $5,000 in refunds! They were a pleasure to work with, and although an error was made that caused a refund to be substantially less than what should have been covered, they immediately acted on my appeal and issued the remainder of the refund. Embracers are always pleasant and helpful, and keep in contact each step of the way so you know every claim is getting the attention it needs. I've recommended Embrace to all our friends and family, and can guarantee any pet we ever have will be covered!

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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