Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,260

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: Susan Odell

Excellent!

I purchased an insurance policy from Embrace a year ago, but was unable to make any comment at that time because I did not need it for my dog. This year Embrace offered a wellness program which I did sign up for. After taking my dog, Lucy, to the vet for her yearly checkup and dental cleaning, I was easily over the $200 maximum for payment. I submitted the bills by fax and was notified the same day of acceptance by return e-mail. The check for $200 was mailed to me and I received it the next week. How's that for service!
5

out of 5

POSTED: | BY: Jane Curry

Great Pet Insurance Carrier

I cannot say enough about how much I like this company. We had a bit of information missing when we filed our claim and Embrace took it upon themselves to call the vets' offices to get it. From that point Carrie, from Embrace, kept us informed all along the way. She was wonderful. We are planning to get another pet within the next few months and will use Embrace for our pet insurance carrier.
5

out of 5

POSTED: | BY: Rachel H

Great First Impression

I just signed up with Embrace for my 2 1/2 year old Havanese. So far, I have been very impressed with the customer service I have received. I have just recently gotten my policy and have not yet had to file a claim, however I feel when the time comes, all will go well.I would highly recommend.
2

out of 5

POSTED: | BY: Abigail Hanna,

Misleading; why get insurance if it covers nothing

I am very disappointed. Both of my 11 yr old cats are new to Embrace. In total it costs me 540+ dollars to cover them for a year. As they are older, you would not allow their illnesses to be covered. It would have been more economical to use that money to directly pay out of pocket vet bills than to pay for both the insurance and the vet bills. I think initially, you had false advertising...and I was mislead. I certainly am not going to get your insurance next year.
1

out of 5

POSTED: | BY: Steve

Slow claim service

I've submitted several claims (the oldest dating back to late August, more than 5 weeks ago) and have yet to receive resolution on any of them. They did not make good on their promise of a 15-day response and they have not been very communicative. Each time I inquire about the status of the claims I hear that they are very busy, they're sorry, etc. I chose Embrace largely due to the positive reviews I saw on this site. I have yet to see anything to support those reviews.
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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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