Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
1

out of 5

POSTED: | BY: Kreitz Family

Very unsatisfied with our Embrace…

Very unsatisfied with our Embrace experience. Throughout the course of our pets life, Embrace denied every claim we ever submitted, including a dental cleaning claim due to a “pre-existing condition” of dental tartar that was documented by our vet during a wellness visit. Our vet agreed that was the most ridiculous thing she’d ever heard of in her 30 years of practicing veterinary medicine. Dental tartar is absolutely NOT a pre-existing condition, by any standard, except for Embrace pet insurance, so they don’t have to reimburse for dental cleanings. We appealed their decision, with the help of our vet, and Embrace denied our appeal, standing by their decision that dental tartar and plaque was a pre-existing condition. Sadly, Embrace was of little help to us throughout the duration of our pets life. They reimbursed for her end of life claims and euthanasia but only after they re-requested medical records that had already been sent. It also took them two and a half weeks to review and reimburse. When you spend several thousand dollars on end of life care, you depend on your pet insurance to be there for you and reimburse in a timely manner. We have five other pets that we have insurance policies on but NOT with Embrace. Would not recommend Embrace to anyone.
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5

out of 5

POSTED: | BY: MegS

great coverage for testing

great coverage for testing. Best insurance I have experienced for my dog. We used to have another company that did not cover anything. Thank you for being an honest and good insurance company!
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5

out of 5

POSTED: | BY: Cris

Easy to submit a claim online.

Easy to submit a claim online.
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5

out of 5

POSTED: | BY: Jim

Car Accident - A ruf couple of weeks!

Our beloved dog was recently in a car accident and possibly related acute blindness. Embrace has been a godsend for ensuring he gets the care he needs.
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5

out of 5

POSTED: | BY: Carla Winston

Easy to file a claim, fast payment

Couldn't have been more pleased with the quick payment for the vet bill for my dog with allergies. The website made it easy for me to upload the bill and office notes for the visit, as well as, tracking the status of my claim.
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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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