Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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.
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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1

out of 5

POSTED: | BY: Theresa Gibson

Pre-Existing Condition? Nope, not us!

We had a new puppy and he went in for stitches because he stepped on glass. Embrace requested medical records from the hospital and they were submitted, but then the claim was denied for a pre-existing condition. How is stepping on glass and needing stitches a pre-existing condition? There was a second incident that was also a freak accident that Embrace deemed pre-existing. I work in a "people hospital" so I do understand what pre-existing means - what this puppy did, did NOT qualify for pre-existing. He was a puppy and just had some happy feet. We never received reimbursement after sending notes and making calls. I am very disappointed and will not refer anyone to use Embrace. I actually canceled the policy last week.
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1

out of 5

POSTED: | BY: Andrew Sterling

Lacking empathy

The customer service representative Giovanni was callous and rude. He tried to pressure us into paying for a plan while in the middle of a medical emergency and instead of taking no for an answer he kept pushing and saying "well what are you going to do the next time your pet is injured." Repeatedly.
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5

out of 5

POSTED: | BY: Derek Dalgleish

So far Embrace is awesome!!

So far, the Embrace support and claims teams have been fantastic! This is my first time submitting a claim for my pet, and the support team was a huge help with all of my questions. It took about 21 days for the claim to go through, which I believe is a fast turnaround! I think I made the correct pick, going with Embrace Pet Insurance!
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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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