Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,772

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: Kelly

Speedy Service

Embrace is the third pet insurance I've tried and I have to say I have been very happy with their services thus far. They are in constant communication with you from the minute you sign up and getting my first check from them was hassle free and fast. Their policies are clear and there are no hidden exceptions.
4

out of 5

POSTED: | BY: Emma

Satisfied

Claim was handled fast and all my questions answered. I subbmitted a claim for my cat's annual wellness exam. I don't think I need to go through Embrace for the wellness exam reimbursement because it only saved me $50.00
1

out of 5

POSTED: | BY: Shirley McDonald

Not happy

Very unhappy with Embrace - I thought I researched carefully for the proper insurance for my dog Molly, my first claim after 2 years with Embrace, (I only submitted a claim when the expenses were high) was denied, after countless emails, and delays - totally confusing to me and to the Vet, who tried to keep up with what they requested. Finally they denied my claim in December after months of emails back and forth. Quite frankly, I am very sick of the whole thing. I would never recommend Embrace because they are just to hard to work with. I am cancelling my policy. Now lets see how hard they make that!!! Shirley McDonald - Unhappy former customer
5

out of 5

POSTED: | BY: Rob Stevesnon

Representatives have been very responsive.

- Accident claim for a bite was submitted on 5 Jan 2013.- Received request for further infromation on 7 Jan 2013. - Provided requested information on 8 Jan 2013. - Recieved aknowledgement of receipt on 9 Jan 2013. - Recieved notification of settlement on 10 Jan 2013. - Reimbursement was deposited into my bank account on 14 Jan 2013. - Claims representatives have been very helpful and I will be renewing my insurance once again....Thanks "Megan I"...you did a great job.
5

out of 5

POSTED: | BY: Colleeen Moody

Double Pneumonia at Christmas

My 9 month old English Bulldog came down with double pneumonia just days before Christmas. He spent 3 days at the vet as he was really struggling to get those lungs cleared. Thankfully I didn't have to worry about the bill since I have insurance for him. Embrace covered I received 1600 from his 2200. bill (this was my 80% after the 200. deductible). There was no hesitation from Embrace on paying this out...no questions asked. I have another bulldog that I have covered (regretfully) under another insurance company. I wish I knew about Embrace when I signed her up. Embrace has been a much better company to work with and they don't disqualify issues based on breed.
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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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