Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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: joanna koustomiris

Claim Reimbursement

My little terrier was taken to the hospital when we felt a lump on his front leg the size of a golf ball thankfully it was fatty tissue and not cancer. Embrace immediately followed up with the clinic and reimbursement us shortly after the claim had been received by them. The service provided by Embrace in handling my claim is the most professional and expedient service I have ever received.
5

out of 5

POSTED: | BY: Lisa

Have Pet Insurance or Not To have Pet Insurance

I just brought home a rescue dog a week and a half ago. I asked many pet owner friends of what they thought about pet insurance all in all I recieved alot of negative reactions from them but always in the last part of the conversation they would proceed to tell me how much money they plunked down for their pets illness's. Bottom line is I did alot of research on different policies. I chose Embrace, which so far I am quite pleased. They correspond quickly and expeditiously. I am waiting for my first reimbursement which they just told me is on its way for the wellness coverage. So far very pleased and so glad I purchased a policy from them.
4

out of 5

POSTED: | BY: Carole

Pleased with coverage

I am pleased with the results of my first claim with Embrace. Previous pet insurers blamed everything on pre-existing conditions; Embrace reviewed the data and covered the claim appropriately. This was much appreciated. The timeliness of claim review was not as impressive, as it took a month to receive a response, but Embrace contacted me several times to let me know they were managing a large number of claims and that I had not been forgotten. I appreciated that as well.
5

out of 5

POSTED: | BY: Greg

Claim Reimbursement

Wellness claim was handled quickly and reimbursement was very fast. So far, so good!
5

out of 5

POSTED: | BY: Susan G.

Very Reliable

I have made many claims over the 5 years I have had this policy. Embrace always pays what they say they will pay. My last claim was paid very promptly.

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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