Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Lisa Blake

Customer service is very helpful

Customer service is very helpful. It is very easy to upload claims and receipts. Web page is easy to use and understand. Happy so far.
5

out of 5

POSTED: | BY: Tarre Beach

Quick, Wonderful Service

I filed my claim and got my reimbursement within a week. It went directly into my bank account. It was fantastic. Quick, wonderful service.
5

out of 5

POSTED: | BY: Wendy

No hassle claim submission and…

No hassle claim submission and reimbursement. Highly recommend this insurance company
5

out of 5

POSTED: | BY: Customer

The customer was very helpful and…

The customer was very helpful and resolved my issue
1

out of 5

POSTED: | BY: Gail King

Concerned Customer !!!!!

I have had Embrace Pet Insurance for Zoe her entire life span until her death last year. I rescued Mason and immediately added him to the policy when we adopted him.Embrace was great with Zoe and coverage was great overall with few question ask after receiving the vet’s explanation sheets. Mason, on the other hand has been disappointing at the least, also adding another stress when you are dealing with fur babies that mean so much. We had our vet do an orthopedic work up, overall check with labs when vaccinations were done and Mason was a healthy fur baby enjoying life. Mason passed all the tests you required at the time of enrollment and this should be on file at Embrace. Our first visit with Mason when he started having symptoms ,we were told was his heart. He started treatment by the local vet in Beebe until we could see Dr. LaVerge at Pinnacle / Westrock clinic which is his establish vet ( two hours in driving distant). As treatment progressed his diagnosis changed. Please see his vet explanation for these visits and diagnosis. Treatment was started after diagnosis and Mason has again been the healthy fur baby we love until a limp started a few weeks ago. It was diagnosis as a muscle pull. Mason was given appropriate care and recovered in 24 hours. We were denied any and all reimbursements for his diagnosis of heart problems and all vet explanations we sent in were denied for his new diagnosis stating it was per existing. Our vet volunteered to send in an explanation disputing Embrace’s decision. We now find ourselves being denied for Mason’s muscle pull visit from a few weeks ago. This weekend we had to take Mason back for the muscle condition again. I am requesting a call from a representative for Embrace. I do not understand the Embrace I have enjoyed doing business with for years and years has become the Embrace I have dealt with the last year and am dealing with presently. What happened? I have referred several acquaintances to Embrace and I do hope they are not having issues. Again, I would like to hear from a representative in the administrative department. Thank you in advance for your help in this matter.

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 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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