Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Randy Vargas

Very difficult to get claims paid or accepted

So I was fought tooth and nail for more information on every claim I’ve made. I had to go back to the vet 3 times to get my claims accepted. Once they were accepted they told me I didn’t have the right coverage or it was a pre existing condition. After 2 years I finally had two claims accepted.
5

out of 5

POSTED: | BY: J Haskett

A healthier dog thanks to Embrace!!!

Last fall, our vet told us that our German shepherd, Ava was very overweight (129 pounds). He said that if she didn’t lose weight, she could develop a lot of health problems. We started walking her right away. We also adjusted her diet. However, our cold and snow season started early. The vet told us about their rehabilitation program of hydrotherapy sessions that would help her lose weight. After 5 months of hydrotherapy sessions, our dog has lost 40 pounds and is now at a healthy weight. This would never have been financially possible without the insurance that we have through Embrace. We are beyond grateful for the insurance process: the ease of filing claims, the quick direct deposit reimbursements, and the excellent customer service that the staff at Embrace provide. The insurance that they provide gives us reassurance that we can always access the best care for our furry family. Thank you, Embrace!!!
5

out of 5

POSTED: | BY: Avis

Highly Recommend Embrace

My furry babies have been with Embrace for about 15 years. The service we have received is impeccable. Compensation has been very timely. The Embracers at customer service are compassionate and competent. I highly recommend Embrace.
4

out of 5

POSTED: | BY: Michael Coleman

Easy to fill out form except the…

Easy to fill out form except the provider tab. Slow and difficult to work with please review. Otherwise very good experience.
5

out of 5

POSTED: | BY: Gi Na

GREAT COVERAGE AND CUSTOMER SERVICE

This company has excellent coverage and amazing customer service! Their app is so easy to use and they have excellent coverage for English Bulldog owners, I highly recommend!

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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