Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Lucy Goodkin

My first experience with Pet Insurance

I have had my Embrace policy for almost 10 years. Fortunately my dog was never sick. Until she was. We were away from home and I have to take her to an emergency vet in California. Embrace was responsive and easy to deal with. They settled by claim quickly with very little paper work. Thank you Embrace.
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5

out of 5

POSTED: | BY: Mike Frantz

Quick and painless claims process

Quick and painless claims process. Love the customer service as well!
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5

out of 5

POSTED: | BY: Patricia Winborn

You process claims and explain outcome…

You process claims and explain outcome very quickly. The communication to your customers to keep us posted on claims submitted is impressive.
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3

out of 5

POSTED: | BY: Ron Langer

End result was appropriate but the…

End result was appropriate but the claim took 40 days to process after the point where Embrace possessed all of the required information.
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1

out of 5

POSTED: | BY: Roy Sahachaisere

The embrace scam scam

With them for over 6 months, denied every claim after sitting on them for 3-4 months. A Scam! I wouldn't give them one star if I could have. Denied a completely torn ligament on my 100lb girl because of the orthopedic clause. Make sure you read all 150 pages of their "get out of paying" disclaimers if you consider them. I paid in premium what I would have paid at the vets but nothing towards our deductible and no fix at all. I was disgusted with pet insurance prior to going in, I thought I would give it a shot and Embrace broke my trust and ruined me of any trust or faith in any dog 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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