Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Meg Wittenmyer

SO WORTH IT!!

We have two Great Dane companions, a breed known for having health issues. Knock on wood for two years we haven't needed our policy, but when our deaf boy began struggling with recurring pneumonia, Embrace has done everything to be helpful and responsive. He's still being treated, but we've already recouped all of what we've paid in premiums for both dogs. Plus, they always ask how he's doing in our email correspondence. They care and they work for you!
5

out of 5

POSTED: | BY: Charlie

excellent

I just wanted to say that Embrace is legitimate in everything that they do. They are sincere and caring and genuiely care about pets and their owners. I only had a policy for about 2 months. My little girl had severe genetic heart problems and Embrace covered everything to make her comfortable. For the treatment and the price Embrace cannot be beat by anyone..... When the time is right for me to get another puppy I will for sure buy another policy with Embrace.
5

out of 5

POSTED: | BY: Susan G.

Insure your pet with Embrace now!

I am recommending Embrace to all my friends who have pets. Taking this insurance is one of the smartest things I have done. Even though my dog is only 4 years old, she has had $2200 in vet expenses over the past few months, and Embrace has paid everything they said they would.
5

out of 5

POSTED: | BY: Pamela Cummings

I am quite pleased 3/17/09

My dog's claim was paid to my approval . Initally I had a problem which was due to my vet. not detailing my dogs condition adequately. After discussing. the issue with an Embracer, I followed the suggestion. I appealed the case. My issue was resolved my ciaim was paid and we are happy. Thank you for your speedy resolution.My friend is planning to add a puppy to her family I recommended Pet Embrace to her.
1

out of 5

POSTED: | BY: Bebe

Just stay away....

I took my one-year-old cat to the vet in February of '09 because she had the runs, and I just wanted to be sure that everything was okay.Embrace denied my claim, saying that she had a pre-existing condition. The only other time my cat had seen the vet was when I brought her home for the first time, and I had her completely checked out by my house calls feline internist. At that time my cat had slightly loose stools, probably caused by the stress of moving, new food, or being in a new environment. It went away, untreated, in about a day. To say that this trip to the vet 11 months later was a "pre-existing conditon" is pure fraud. I've attempted to cancel this policy because I don't believe that this is an ethical company. In fact, I have not even received the written confirmation of my cancellation that I requested! I would hate to make a serious claim after having had this policy long enough to have paid Ms. Bennett or Embrace insurance many thousands of dollars, only for them to find some way to deny it. Better to find out now and move on.

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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