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: Michael Kliegman

They seem to excel at denying claims

I found during my roughly 1 year with Embrace that its claims people consistently go the extra mile to deny claims. With little or no money on the line (within the deductible), they take a sweeping view of what's a preexisting condition. (Because there had been what may have been an allergic itch on a toe, many months later they stated that an infected cut on the face was due to a preexisting skin condition). Tells me all I needed to know about their apparent approach to the business. One good thing: woman I spoke to to cancel the policy was great, didn't try to delay or dissuade me.
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5

out of 5

POSTED: | BY: Joe

As this was my first claim...

As this was my first claim, it did take a little longer but not unreasonable. Very pleased with the outcome.
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5

out of 5

POSTED: | BY: Ron

PHENOMENAL EXPERIENCE!!!

Our pup had a cluster seizure event and we had to rush him to the emergency vet. After a 3 and a half day stay for him to recover and get back on his feet (kind of, his back half is still lagging behind) we submitted our two claims for his vet bills. Embrace had processed one claim the same day and the other (much larger one) within 5 days. They were quick, efficient, and incredibly helpful through the process for us. When we were worried about our pup getting better, it was incredibly helpful to also not have to worry about a long and drawn out claims process. 5-Star service and experience.
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3

out of 5

POSTED: | BY: Cynthia Luttrell

3 Stars is generous

I am going to give a 3 star because I was disappointed that I was denied my larger claims. My puppy had FHO surgery because it was hurt. Insurance denies it calling it pre-existing dysplasia. I got the insurance as soon as I got the puppy from the breeder and all paperwork was clear. I kept the insurance for one more year to see if it is even worth the payment. Time will tell.
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5

out of 5

POSTED: | BY: Mr. James Geary

Great customer service which was very…

Great customer service which was very expeditious and fair! Representatives were helpful and extremely knowledgeable!
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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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