Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,679

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: LeAnne Ringer

Very pleased

Embrace was recommended to me by a food friend of mine, who is also a vet. I have been very impressed with Embrace, mostly because I deal with actual people who email me with explanations. If I email back with a question, they answer it. Real people, not departments, not passing the buck, not a telephone service with prompts. What a novel idea!
2

out of 5

POSTED: | BY: Cynthia

Went with Embrace because they had Dental Coverage

When I researched Embrace 2010 and decided that they offered a very complete insurance policy including Dental I decided it would be the best signed up and payed. Well I'm glad I got pet insurance, because my dog has had soo many issues. New policy for 2012 eliminates Dental you can buy a wellness plan if you pay an extra $299 with a $400 limit for dental issues. Which works out to $101.00 woppie savings big deal you don't use it you lose it too. Most dental proceeders cost more than $400 anyway. Now I'm stuck with this insurance company because of course most insurance companies will not take preexisting condition!So beware it might look good one year but they hook you and take it away. Also they make it so hard to file claims if you forget to dot the I. My thought on this is more difficult to file claim the insurance company is hoping you will give up so they don't have to pay.
5

out of 5

POSTED: | BY: Kim

Very pleased!

I got Embrace pet insurance when my cavalier king charles spaniel was a puppy. The breed is known to have many health problems. Embrace has covered all of her health issues. I couldn't be more pleased with the quality of their service. I get reimbursed quickly and they even send me e-mails that notify me when the checks are sent out. I no longer hesitate when I need to take my dog to the vet. I know that I will be covered by Embrace.
5

out of 5

POSTED: | BY: Sara Reynolds

Dependable

I've had Embrace Pet Insurance for about 5 years now and have had no problems. Every claim has been handled quickly and completely within their policy. I never felt as though they were trying to get out of paying a claim. I truely believe they are pet lovers and want the best for your pet.
5

out of 5

POSTED: | BY: Lin Wolen

pleasantly surprised!

The first email I received regarding my claim erroniously said that I was not entitled to any money from a claim I had made. Then I called embrace, left a message and I received a check in the mail in the next few days, thank you embrace!
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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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