Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,490

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: Janette

Great company!

I just received a payment on my first claim with Embrace. They decided that ALL the charges that I submitted were coverable, including tax, and the claims payment was exactly what I hoped for. The claim was for charges associated with a lower back injury that my dog suffered. I was concerned that the claim would be denied as a preexisting condition because he had had trouble with his lower back once before we bought the Embrace policy--most insurance companies would find any excuse to call that a preexisting condition. But not Embrace. They contacted me to ask for details about the two injuries, and I appreciated the opportunity to explain why the two injuries were unrelated. Communication with customer service was easy, and they kept me posted on the status of my claim. I was a longtime customer of VPI prior to switching to Embrace, and I'll never look back!
5

out of 5

POSTED: | BY: Diana

Knowledgable

I also had a terrible experience w/VPI after a few years with them. I am a certified medical coder so know all to well insurance terminology and coverage issues. I have submitted a couple of claims and have been taken care of in a timely fashion. I am comfortable with their expertise and I also admire their concern with my beloved pets!! Yes, Pets with an "S"
5

out of 5

POSTED: | BY: John Powell

A pleasure doing business

My entire experience with Embrace has been fanatstic. They stand head and shoulders over VPI. Contact response time has been fast and personal. Their detailed explanations have been clear and easy to understand as is the website where they have everything needed to make an informed decision.
5

out of 5

POSTED: | BY: Ronnie

Covers what many other companies don't

What I have found most excellent about Embrace is not only do they cover what most other companies don't, you can customize your policy to be affordable. Anyone with a multiple dog household knows how expensive it can be to have multiple policies. By taking the largest deductible & co-pay, along with the highest yearly payout ($10,000), plus I took coverage for prescriptions and continuing care, I was able to get a policy for my Great Dane for under $250 a year! Anyone reading this with a big dog knows just how expensive medical care can be for the big dogs! Of course, your policy will vary depending on how you customize it. I did not want a policy that covered routine items. To me, that is just part of owning a dog and just drives up the cost of a policy. Just like a human, I needed coverage for those major illness or injuries that require major medical care. My Embrace policies give me piece of mind that I can afford to cover all my dogs for major medical emergencies. Plus, working with Lea at Embrace has just been awesome!
5

out of 5

POSTED: | BY: Gwendolyn R.

My First Claim

Embrace covered my pets entropion surgery when other companies would not. The only negative experience I had--was it took 15days to process my claim and I was expecting a quicker turn around time. Embrace did communicate to me that since it was my FIRST CLAIM it would take up to 15 days to process. I guess all good things come to those who wait. I highly recommend Embrace!!

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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