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.
Embrace has made claims processes incredibly convenient. The response time from any communication has been very fast and efficient. I would recommend this company for your pets every day of the week!
Terrible Experience with Embrace - Strongly Advised Against
I am writing this review to share my extremely disappointing experience with Embrace. My interaction with them has been characterized by a questionable appeals process, selective use of information, and a blatant disregard for the evidence I provided.
One of the major issues I encountered was their appeals process, which seemed designed to be deliberately convoluted and unhelpful. Despite presenting solid evidence disputing their claim of a pre-existing condition in my pet, they continued to ignore the facts. Our initial vet misdiagnosed the condition, and we sought a second opinion that confirmed the error. However, Embrace persistently refused to acknowledge the correct diagnosis.
It became evident that the adjusters and underwriters selectively choose certain verbiage to suit their agenda of avoiding claim payouts. During my interactions with them, I was appalled to hear an adjuster suggest that I personally go back to the first vet for more information if I wanted to appeal again. This is not only unprofessional but completely absurd, as it is their responsibility to thoroughly investigate claims.
Furthermore, the company relies on policy terms and conditions, specifically #32 regarding pre-existing conditions, to justify their actions. However, it is crucial to note that our vet only officially diagnosed our dog after the policy was purchased. This fact seems conveniently overlooked, highlighting their unwillingness to consider the timeline of events and putting their profit over customer satisfaction.
In my pursuit of a fair resolution, I requested the cancellation of my policy. It is clear that Embrace prioritizes financial gain over ethical practices and customer welfare. I echo the sentiments of another reviewer who suggested that the company should employ vet techs. Ironically, one of our adjusters was a former vet tech, and this did not result in a more compassionate or customer-oriented approach.
In conclusion, I strongly caution against choosing Embrace for your pet insurance needs. Their unscrupulous tactics, disregard for evidence, and lack of customer-centric values make them an unreliable and unethical choice. I encourage pet owners to explore alternative options with more reputable and ethical pet insurance providers.
*edit since they responded*: I am no longer in contact with anyone from their company since I cancelled my policy since they have refused to review the appeal in its entirety. They claim they “ultimately go off medical records” during the claims and appeals process. I will reiterate in my review above that they have disregarded the misdiagnoses as well as the appeal letter from the doctor. Do better.
I have had this insurance for my dogfor probably 10 years. The price started out ok and had risen to 206.00 per month. It was my fault for not checking but my friends were paying a quarter of this price. It does not include any meds, shots or teeth cleaning. I called and had it lowered but it is still high. At this point, my dog is already at it's breeds max age and afraid to switch. Think next time i am going with Nationwide. They did pay out on a surgery many years ago, but have well made up for it and I could do a few more surgeries and never cover the insurance I have paid. You would think they would cover teeth cleaning once every 4 or 5 years. Nope and if your dog gets a dental disease too bad.
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.
