Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
4

out of 5

POSTED: | BY: Matt

The people I talked to were helpful

The people I talked to were helpful. However - waiting over 3 hours for a procedure that was bordering on emergency surgery was tough to deal with. We kept being told 30 minutes and you will have your answer. We have had coverage for years and knew she was covered but really wanted to make sure we covered our bases. I’ve been happy- I just feel that waiting longer could have bad consequences and wonder how things will work out. Once it was verified that we had full coverage we should have been cleared to go ahead.
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5

out of 5

POSTED: | BY: Sharon

We have been very happy with Embrace…

We have been very happy with Embrace insurance for our two dogs. If claims are submitted correctly, as we have always done, there is no issues. We have been with Embrace for nine years and counting.
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1

out of 5

POSTED: | BY: Jay Wiseman

Good at denying claims only……

This company has a great facade & facade only. Our dog had a preexisting issue with allergy issues and no matter what the claim, guess what - denied as preexisting. Even had an emergent claim with a resulting wound, a high fever which all resulted in sub q fluids, antibiotics and steroid Tx for the “infection” that “embrace” then deemed in their eyes to be allergic issues…?? We cancelled this joke of a policy, spare yourself the grief & seek coverage elsewhere, especially if you have a pet with anything that could be remotely considered preexisting as you’ll get screwed. Now a past embrace customer……..
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5

out of 5

POSTED: | BY: Mardie

Happi

Service is fast. If phone call is made. They are very helpful!
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5

out of 5

POSTED: | BY: Kimberley Brown

Love Our Coverage

I have had no problems with our coverage at all. The first claims do take a little longer but they do get handled. I have to say submitting a claim is super easy. All the staff I have worked with have been extremely helpful and friendly. We love our coverage.
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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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