Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Gayle Crabtree

Customer service reps have been…

Customer service reps have been helpful. However, I've been frustrated over what they will / won't cover and the process. When they received my first claim they requested records from my vet and the vet who saw my dog before I got him. He had a slight ear infection when my vet first saw him. It's not covered. She filled out papers attesting no physical issues with bones, joints etc. I sent it and it was approved. Then, he developed a hip problem. Before considering the claim they requested records again. Next they didn't cover the shockwave treatments. Dental exam. No coverage. A few thousand in bills and what they covered didn't meet the deductible. Now he has an ear infection. Embrace requested medical records from all vets again. They requested them from the vet who saw him before he was mine, the Ortho vet and his regular vet. The rep said they "might" cover the infection this time. They won't know until they have all the records. He's three and I've had him for more than two years. What does the original vet have to do with an ear infection? What does an orthopedic vet have to do with an ear infection? I asked and was told they automatically request the records from everyone who has ever seen him. This is a lot of hoops to go through almost every time there's a claim. Overall I'm displeased. My next dog won't be covered by Embrace. I'm considering dropping it on my current dog.
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1

out of 5

POSTED: | BY: Sara Coon

I got embrace for my new puppy's…

I got embrace for my new puppy's insurance and he had a allergic reaction to something and was covered in hives and so we took him to the vet hospital and on the same day both the vet hospital and I submitted the invoice along with the soap and they still haven't reimbursed us yet and it's almost been a month and they keep asking for the same information we already sent them and we keep sending it and still no luck and it's been about 30 days and they are saying it might take another 30
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5

out of 5

POSTED: | BY: Brian

I feel like Wes was helpful answering…

I feel like Wes was helpful answering question and helping me understand the details of the insurance plan without any pressure to buy.
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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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