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: John Mariano

beware

well read the raving reviews here in my case.... way not true after a month of embrace asking for my invoice i sent 4 times AND they went directly to my vet and he supplied the my pets entire history they finally denied my $230 claim for a wellness senior blood paned stating i needed Wellness policy added to my policy-what?? hey why chase me around for data when I was not covered ????well because they stall and deny they only thing they embrace is the premium.
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1

out of 5

POSTED: | BY: Amanda Kidd

Bogus claim denile

My dog had to spend 48 hours in an emergency vet due to eating a lot of carprofen (a pain killer) my claim was denied due to a pre-existing condition, a luxating patella (which is asymptomatic) they are saying that if he didn't have this luxating patella he wouldn't have had access to the medication. The shear fact that they are trying to deny the claim for a vet visit that saved his life where they were treating his kidneys, liver and stomach was denied because of an asymptomatic knee cap. The fact they are an insurance company trying their best not to provide the service that I paid for is unethical and they are grasping at strings to try and avoid paying out for his stay
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5

out of 5

POSTED: | BY: C. C.

Good timing and excellent response

A few minutes on hold to reach a representative during lunch time, not bad considering the hour, and then as soon as she picked up she resolved my request to update my new kitten’s name in seconds, very helpful and polite.
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5

out of 5

POSTED: | BY: Cindy B

Fast and painless claim process.

Fast and painless claim process.
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5

out of 5

POSTED: | BY: George Charlton

Definitely worth it to me.

Got plan for peace of mind in case of big cost dog care. I didn’t need anything for a while, but when I did they took care of things. Easy to submit claims online. Definitely worth it to me.
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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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