Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Peter Alexander

Haven’t been happy with them over my…

Haven’t been happy with them over my last encounter over my dogs wound (skin condition) the vet didn't do anything but charge me for meds that were not necessary and we’re never administered by myself or anybody at the practice. I do have an appeal with the company to get full coverage over this claim.
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5

out of 5

POSTED: | BY: Charity Comella

Very easy process to submit claims

Very easy process to submit claims. Fast turnaround.
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5

out of 5

POSTED: | BY: Susan Boyles

Absolutely love this company

Absolutely love this company! I sleep better at night because my pups are insured!
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4

out of 5

POSTED: | BY: Jeanmarie Mcguire Scanapico

The turn around time for reimbursement…

The turn around time for reimbursement is much longer than what I experience with Trupanion. even when all the documentation is provided
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1

out of 5

POSTED: | BY: tiina prio

Embrace needs to change their business model

I had two dogs on my policy. I have been a customer since 2009. Sadly, my dog Bruce got very ill and had to be put to sleep. I called to cancel his policy. I know that the person I spoke with could see that my dog was very old. They did not bother to ask why I was canceling my policy and flippantly said OK, Bruce is off your policy. I felt this was not right. My pet care company of dog products and pharmaceuticals actually sent me flowers! Wow! That is the business model which Embrace should embrace. Embrace should learn a little bit about customer care and sympathy. I am very disappointed in this company and they should change their name because they don't embrace anything but money.
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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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