Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: LJ Doxie Mom

Embrace carried us through 14 months of…

Embrace carried us through 14 months of cancer treatments for our prior dog, and with compassion at the end of life they terminated the prior policy without me having to contact them. When we welcomed our new puppy into our home I did not hesitate to take out an accident/injury policy with Embrace based on their remarkable customer service which shined when I contacted them about the new policy. They were very helpful, knowledgeable and patient answering all of my questions to assure our new pup had the coverage we desired. I have the utmost confidence in Embrace.
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5

out of 5

POSTED: | BY: Barry C

Embrace has been there for us during a difficult time.

We have had an embrace policy for years and never really used it. Our girl was diagnosed with osteosarcoma and I'm so glad we have Embrace to help with her treatment with reimbursements provided for the past 18 months on a monthly basis. Very simple submission process and quick payment. Thank you for being there for us during this time.
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1

out of 5

POSTED: | BY: Colleen Lila

Not pleased

Not pleased, my call for initial intake was very specific. I was told dental cleaning was covered entirely for the plan I selected. It will only be covered for a small portion tooth extractions only covered if accidental or preventive. She has a fatty lipoma which was discovered and they want to biopsy but it wont be covered either. Not sure its worth it to have this insurance if they don't cover much...
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5

out of 5

POSTED: | BY: Edwin Mccausland

Claims made easy…

After our dog was hospitalized for one night I dreaded the pending claims process. I was pleasantly surprised by the ease with which I could file the claim and the claim being approved and paid in the same week!
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1

out of 5

POSTED: | BY: Customer

Horrible Customer Service

I have been waiting two weeks for them to finish this simple claim that I upload a claim every month for my dogs allergies, and get it back in a week, now it is going on over two weeks, and they keep emailing me saying to resubmit invoice, which I kept doing, long phone hold times, and rude agents who try to rush you off the phone, and do not know how to do their jobs! I was paying $92a month for my dog, and last year they upped it to $126 a month, which is absolutely ridiculous! This company has gone downhill, and they do not care about the customers
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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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