Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,319

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: Carole TWeden

The Best Pet Insurance Company

I found out the hard way. My cat Scooter had lymphoma. I spend a lot of money trying to get rid of the cancer. 80% of the time, cats go into remission. My didn't. I spent almost $13,000 when all was said and done. VPI reimbursed me around $1,500. My cat Bunny broke his leg and had to have his eye removed. Embrace reimbursed 90% of the ACTUAL cost which was around $3000.
5

out of 5

POSTED: | BY: Dorothy Jane

Very quick reimbursements!

I have appreciated the good customer service that I have received with Embrace Pet Insurance. Their Wellness plan has been excellent. I have been able to cover everything my new Coton de Tulear has needed to start her off healty and to keep her healthy. Pet insurance is a great thing to have so that your pet is covered and you always have the funds to take care of any health issues.
5

out of 5

POSTED: | BY: Melissa

Easy to work with

Everyone I have dealt with has been very nice and professional. The forms for submitting claims are simple and claims are acknowledge by email. They are true to their claims for reimbursement. Overall, I have had a very positive experience!
5

out of 5

POSTED: | BY: Suzanne Mayer

What you see is what you get-AND easy to deal with

Over the past year and a half my young "healthy" dog has had a series of issues for which he's needed thousands of dollars in veterinary care. Through several claims Embrace has been easy to deal with, responsive and the level of coverage did not change even though we maxed out the first year. As someone who works in the Animal Health industry I believe pet insurance is a must and I highly recommend Embrace!
2

out of 5

POSTED: | BY: Lee Kubes

I tried to work with these people

I was really confused reading the reviews on Embrace, which are almost all glowing 10 out of 10, extolling the best-ever, kind, compassionate, helpful service. I wondered what I had done wrong...but every now and then I found a review that told a story identical to mine -- we complied with every bit of paperwork when applying but then the questioning and designation of pre-existing conditions started, and reps were asking for my pet's file when it had been faxed to them 2 weeks earlier. My wife and I decided to cancel our policy -- at least Embrace gave us a partial month's credit, so we were out $140 rather than $200. However, I had no confidence that a large claim would be covered, because claims adjusters would start looking through my pet's file to find something to call a pre-existing condition in order to deny our claim
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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 detail
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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