Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Tara Brown

Still waiting on a decision

Still waiting on a decision. Plus it’s all of this red tape, things that was not told in regards to my policy. No I would not recommend this company to anyone.
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1

out of 5

POSTED: | BY: Dawn Crotty

Pay close attention to your claims with…

Pay close attention to your claims with multiple diagnoses. Though my dog was diagnosed with Kidney disease, which they do not cover (pre-existing) they constantly deny claims for Otitis Externa, ear infection, as well as the antibiotic, Claro used to treat it. Their explanation is that she was diagnosed with Pruritis at one point, which is itchy skin (due to allergies), and treated with Cytopoint, again not covered. I requested that all of these claims be reviewed. I will update my review when I get a response.
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5

out of 5

POSTED: | BY: Stephanie Thompson

Responsive and Detailed

Embrace is quick to review and respond to claims. My healthy, athletic dog ran into some bad luck this summer with a bacterial/yeast infection in his paws and ears. Treatment has included weekly trips to the vet for cleaning/medication administration. As a result, I've had to file multiple claims. Embrace has been incredibly thorough in its explanation of coverage, and the reimbursement payments have been made in a timely manner. I am completely satisfied with the company, knowing my dogs are in good hands!!
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3

out of 5

POSTED: | BY: Ashley Magnifico Cassell

Raised my premium 50% overnight after eight years being a customer

Well…I was happy with Embrace, mostly, for years. Then they said they were going to suddenly raise my premium 50%. I hadn’t made any big claims or anything…the cats are just a year older than they were last year. Well I got a policy somewhere else for slightly LESS than I’d paid Embrace even before the 50% raise. And when I called to say I was doing it, they didn’t do anything to keep me. Only if I slashed my coverage to the bone. They just let a customer go after eight years. That’s the kind of company they are, apparently.
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5

out of 5

POSTED: | BY: LGW

We have had many claims with…

We have had many claims with Embrace—always an excellent experience. Easy process, timely payment, clear explanations. Happy customer for more than 10 years
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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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